Downpayment Calculator
The cash you'd actually need on hand at signing — downpayment plus estimated fees.
Downpayment percentage
Cash needed at signing
₱625,000
What this calculates
This shows the total cash you'd need on hand at signing — downpayment plus an estimated fees allowance — for a given home price and downpayment percentage. It's the narrower, faster answer to "how much cash do I actually need to start."
How to use it
- 1
Enter the home price you're considering.
- 2
Pick a downpayment percentage — 20% is a common baseline, but 10% and 30% are shown too.
- 3
Read the total cash-at-signing figure, plus the downpayment/fees/loan breakdown below it.
How the math works
This is straightforward arithmetic, not amortization — no interest rate or term involved:
Downpayment = Home Price × Downpayment %
Estimated Fees = Home Price × 5%
Cash Needed = Downpayment + Estimated Fees
What this assumes
- A flat 5% fee estimate — an illustrative allowance, not an official Pag-IBIG fee schedule.
- A downpayment is required at all — some qualifying socialized housing loans go to 100% financing.
What this doesn't check
- Your monthly amortization or DTI — this is cash-at-signing only. See the Housing Loan Calculator or Housing Planner for the payment side.
- Whether you'd actually qualify for the loan amount this implies — income, credit, and appraisal all factor into real approval.
Want the full picture?
See this alongside your DTI, amortization, and a full affordability readiness score.
Frequently asked
What's included in "estimated fees"?
A rough 5% allowance for appraisal fees, notarial fees, registration, and MRI/Fire insurance — illustrative, not an official Pag-IBIG fee schedule. Actual fees vary by property and loan size.
Can Pag-IBIG finance more than 80% of the home price?
For income- and property-qualified socialized housing under the Expanded 4PH program, financing can reach a 100% loan-to-value ratio — no cash equity required. For regular loans, a downpayment is typically required — 10–20% is common.
What if I have less cash than this shows?
You have three real options: increase your timeline to save more first, look at a lower-priced property (which lowers both the downpayment and fee amounts proportionally), or check whether the property and your income qualify for the 100%-financing Expanded 4PH socialized housing rate.
What if the seller or developer offers to shoulder some fees?
That happens, especially with accredited developer-assisted purchases — it would reduce the actual cash you need below what this calculator shows. This tool assumes you're covering the full estimated fee amount yourself; treat the result as a ceiling, not a guarantee of what you'll actually pay.
Does a higher downpayment percentage always mean a smaller loan?
Yes, directly — downpayment and loan amount move in exact inverse proportion to each other, since together they always sum to the home price. What it doesn't automatically improve is your DTI ratio's dependence on interest rate and term; use the Housing Loan Calculator or Housing Planner to see the amortization side of that trade-off.
Pag-IBIG Fund Guide is an independent, unofficial resource — not affiliated with, endorsed by, or connected to Pag-IBIG Fund or the Philippine government. Figures above are illustrative estimates based on the inputs you provide, not a guarantee or an official Pag-IBIG computation.