| Rudy Flores · (619) 392-6714 · Real Estate Strategist, Realtor® · CalDRE #02257808 · Responsible Broker CalDRE #01481919
SAN CLEMENTE REAL ESTATE BROKER
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Down Payment Savings Planner

See when you could have enough saved for the down payment and closing costs, and what to save each month to get there sooner.

HOME TOOLS · OCTOBER 2026

Updated October 2026 · Rudy Flores

How long until you can buy? Enter what you have saved and what you can save each month to see the month you could reach your down payment and closing costs, and what saving a little more would change.

At $1,750,000, the price this tool starts with for San Clemente, a 10% down payment is $175,000 before closing costs.

Many buyers put down 3% to 20%. Change it to see the difference.
A family gift or a down payment assistance amount, if you expect one.
A placeholder; use your own number.
A placeholder; use your own number.
Your assumption. Use 0 if you are keeping it in a checking account.
Your assumption, not a forecast. It starts at 0%; try 2% or 3% to see how a rising market moves your goal.

Want this as a personal plan?

Send this estimate to Rudy and he will follow up with a personalized version, no pressure.

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Talk to a lender. Rates, loan programs and approvals come from lenders, not from websites or real estate agents. Talk to your own mortgage broker, or use our preferred lender, Point Mortgage Corporation (NMLS #231073), at (619) 475-4095. You are always free to choose any lender you like, and you can verify any lender’s license at nmlsconsumeraccess.org.

This is an estimate for planning. It is not a quote, an appraisal, a loan offer, or tax or legal advice, and Rudy is a real estate agent, not a lender or tax professional.

Ways to shorten the wait

  • Ask about down payment assistance. California and local programs can add thousands to your cash, with rules on income and price.
  • Check the loan type. Some loans need as little as 3% to 3.5% down, though a smaller down payment means a larger loan and usually mortgage insurance.
  • Ask the seller for help with closing costs. In many sales the seller agrees to a credit, and the calculator lets you see how a gift or credit changes the goal.

Rudy can introduce you to a lender who explains your options clearly. Learn more in our buyer checklists.

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