Property price, down payment and mortgage amount

Distinguish the purchase price from the buyer’s cash contribution and the principal actually financed.

By Calculadoras.Tools Published May 7, 2026 5 min read

The property price is the agreed purchase amount. The down payment is the buyer’s upfront contribution. Mortgage principal is the remainder financed:

down payment = price x down-payment percentage
loan amount = price - down payment

For a $3,000,000 property with 25% down, the down payment is $750,000 and the loan amount is $2,250,000. Calculate the payment from $2,250,000, not the full purchase price.

A 100% down payment leaves no mortgage principal. A 0% down payment means full-price financing only if such a product is actually available; it does not remove closing costs.

Use the mortgage calculator and keep all three figures explicit when comparing offers.