Buying and Selling House Costs Calculator
Buying and selling a home involves more than one set of figures. This calculator focuses on one part of that picture: how much of the price you pay upfront as a down payment, and how much is left to borrow. Enter the price of the property and the percentage you plan to put down, and it works out both amounts in pounds.
It is a simple tool, so it helps to know what it does and does not cover. Use it to check the basic split between your deposit and your loan, then speak to your lender or solicitor for the full cost of the move.
How to use the buying and selling house costs calculator
- Enter the price of the property in pounds (£) in the Price box.
- Enter the down payment as a percentage in the Down payment (%) box.
- Check the Down payment figure shown in pounds. This is the amount you would pay upfront.
- Check the Amount left to borrow figure. This is the sum you would need to fund through a mortgage or other loan.
- Change the price or percentage to compare different scenarios, such as a larger or smaller deposit.
The formula
- Down payment = price × down payment % ÷ 100
- Amount left to borrow = price − down payment
Worked example
The figures below are made up to show the maths. They are not current prices, rates or product figures.
| Price | £350,000.00 |
|---|---|
| Down payment | 20% |
- Down payment £70,000.00
- Amount left to borrow £280,000.00
Tips for an accurate answer
- Use the exact asking or agreed price rather than a rough guess, so the split between deposit and loan is accurate.
- Remember that the calculator covers only the deposit and the loan.
- Try several down payment percentages to see how the amount you need to borrow changes.
- Confirm the final figures with your lender or bank before making any decision, as they can confirm exactly what you are able to borrow.
- Keep a copy of the results with the date so you can compare them later as your plans change.
Questions people ask
Can I use this buying and selling house costs calculator for a London property?
Yes, you can enter any price in pounds, including the price of a London property. The calculator simply works out the down payment and the amount left to borrow from the figures you enter.
Can I use this buying and selling house costs calculator for a Manchester property?
Yes, enter the price of the Manchester property and your chosen down payment percentage. The calculator will show the deposit and loan amount, though it does not include local fees or taxes.
Will this calculator show how much money I will make from selling my house?
No, it does not estimate profit from a sale. It only works out the down payment and the amount left to borrow for a purchase price you enter.
Is this a simple home sale calculator?
It is a simple calculator for splitting a purchase price into a down payment and a loan amount. It does not calculate the proceeds of a home sale.
What does this calculator work out?
It works out the down payment in pounds, based on the price and the percentage you enter, and the amount left to borrow. For example, a price of £350,000.00 with a 20% down payment gives a down payment of £70,000.00 and an amount left to borrow of £280,000.00.
Does the calculator include stamp duty or legal fees?
No. It only shows the down payment and the amount left to borrow.
How is the down payment calculated?
The price is multiplied by the down payment percentage and divided by 100. The amount left to borrow is the price minus the down payment.
Can I use this for buying a car?
The same arithmetic applies to any purchase where you pay part upfront and borrow the rest, so it can show a car deposit and loan amount. Check the figures with the finance provider before you commit.
Sources
This calculator uses the standard loan and interest formulas above and the numbers you type. It needs no outside figures.
An estimate from the numbers you enter, worked out with the formula shown. It is maths, not financial advice: your lender or bank has the final figures. Page checked 23 Oct 2026. Read the disclaimer