Down Payment Acceleration Calculator

Your Situation

Target Home Price ($)

Current Down Payment Savings ($)

Current Monthly Savings ($)

Target Down Payment (%)

Target Timeline (Years)

Acceleration Strategies

Select which strategies you're interested in exploring:

House Hacking Side Hustle Employer Benefits Acceleration Investments Down Payment Assistance

House Hacking Details

Potential Monthly Income ($)

Example: Renting a room on Airbnb 10 nights per month at $80/night = $800

Side Hustle Details

Potential Monthly Income ($)

Following the 1% Rule: For a $400,000 home with 20% down ($80,000), aim for $800/month minimum

Employer Benefits Details

Potential Monthly Contribution ($)

Examples: Housing stipends, down payment assistance programs, or negotiated benefits

Acceleration Investment Details

Percent of Savings to Invest (%)

Expected Annual Return (%)

Recommended: Allocate 20-30% to investments with higher returns (REITs, index funds) while keeping 70-80% in safer accounts

Down Payment Assistance Details

Number of Programs to Apply For

Estimated Assistance Amount ($)

Visit downpaymentresource.com to find programs in your area

Your Down Payment Acceleration Plan

Target Down Payment

$80,000

Based on your target home price

Standard Timeline

5.0 years

With your current savings rate

Accelerated Timeline

2.8 years

Using your selected strategies

Time Saved

2.2 years

Get into your home faster!

Today

Accelerated: 2.8 years

Standard: 5.0 years

Your Recommended Strategy Mix

Based on your inputs, the most effective strategy for you is to combine house hacking ($800/month) with your side hustle ($1,000/month) while investing 25% of your savings at 8% returns. This combination reduces your timeline by 2.2 years!

Your Down Payment Acceleration Plan

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