Find the cash you need to buy a home — down payment, stamp duty, registration and GST
Enter the property price and pick your city, or your state if you’re buying elsewhere.
Choose who will own the home and whether it’s ready to move or under construction — these change stamp duty and GST.
See the minimum cash you need: the smallest down payment banks allow, plus stamp duty, registration, GST and fees.
Add builder charges and the cash you have, if you know them, to see whether you’re ready or how much more you need.
The loan covers part of the price. Everything else comes from your pocket, before or at registration.
RBI lets banks fund up to 90% of a home for loans up to ₹30 L, 80% up to ₹75 L, and 75% above that. You pay the rest.
Set by your state — usually 5–8% of the price, with lower rates in some states when a woman owns the home. Banks don’t fund it.
5% on under-construction homes, or 1% for affordable housing. Ready-to-move homes with an occupancy certificate have no GST.
A processing fee of about 0.5% of the loan, plus legal, technical and brokerage costs and any builder extras. Butter can often get the processing fee waived and add cashback with partner lenders.
20-year loan at 8.5%
| Item | Minimum (25%) | 40% down |
|---|---|---|
| Down payment | ₹25 L | ₹40 L |
| Home loan | ₹75 L | ₹60 L |
| Monthly EMI | ₹65,087 | ₹52,069 |
| Total interest | ₹81.2 L | ₹65 L |
₹15 L more upfront saves ₹13,018 a month and ₹16.2 L in interest.
Set by RBI's loan-to-value limits for housing loans. Some lenders ask for more based on your profile.
| Loan amount | Max bank funding | Minimum down payment |
|---|---|---|
| Up to ₹30 L | 90% | 10% |
| ₹30 L – ₹75 L | 80% | 20% |
| Above ₹75 L | 75% | 25% |
| Property type | Typical minimum down payment |
|---|---|
| Ready or under-construction flat / house | 10–25% (as above) |
| Plot (land only) | 25–30% |
| Plot + construction | 20–25%, released in stages |
It depends on the loan size: at least 10% of the price for loans up to ₹30 L, 20% for loans up to ₹75 L, and 25% above that. Stamp duty, registration and GST are on top of this.
Generally no. For homes above ₹10 L, banks don’t count stamp duty and registration in the property cost they fund, so you pay them yourself.
A bigger down payment lowers your EMI and total interest, but keep an emergency fund of at least 6 months of expenses. A Butter advisor can help you find the right balance.
In several states, yes — for example Delhi, Maharashtra, Haryana and Uttar Pradesh. Choose “Woman” or “Joint” above to see the difference for your state.
No. GST applies only to homes bought while under construction — 5%, or 1% for affordable housing. A ready home with an occupancy certificate has no GST.