How much down payment is needed in Sweden in 2026?
From 1 April 2026, a new Swedish mortgage used to buy a home may cover no more than 90% of the property's market value. The minimum own-cash deposit is therefore 10% when a lender accepts the full cap. A home costing SEK 3,500,000 needs at least SEK 350,000 in cash and can support at most SEK 3,150,000 in mortgage debt. The rule is set out in Act 2026:226 and explained by the Swedish Financial Supervisory Authority.
Start with price or savings
If you know the price, multiply it by the own-cash share. At 90% loan-to-value, that share is 10%. If you know the cash amount instead, divide it by 0.10. SEK 400,000 of usable cash therefore supports a theoretical maximum price of SEK 4,000,000. The calculator handles both directions and accepts a lower loan-to-value if your lender requires it.
Keep money outside the deposit
Do not automatically use every saved krona. A house purchase can involve Swedish title deed and new mortgage deed charges. Any home also brings moving, insurance, and setup costs, and an emergency fund remains useful after moving in. Enter a reserve before calculating the maximum price.
The mortgage cap is not a loan promise. The lender assesses income, other debt, household costs, the property valuation, and the ability to cope with higher interest rates. Obtain a current loan promise before bidding, then calculate interest, amortisation, and the complete household budget.
Calculate the complete cash needed
Choose Total cash needed to buy to combine the cash deposit, Swedish title-deed costs, and new mortgage-deed costs in one scenario. Enter the property type, buyer category, assessment value, planned mortgage, and existing mortgage deeds. For a property, title-deed duty uses the higher of the purchase price and assessment value; mortgage-deed costs apply only to the loan portion not covered by existing deeds. See Lantmäteriet's official fees for current charges.
The total excludes agent fees, moving, renovations, insurance, bank charges, monthly housing costs, interest, and amortisation. For a tenant-owned apartment, title-deed and mortgage-deed costs are set to zero because those charges apply to property. Confirm the loan promise and current authority guidance before signing.