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Use the result as decision support and planning help. For high-stakes choices, confirm the details with the relevant authority, lender, employer, or adviser.
Housing & mortgages
Swedish down payment calculator 2026
Calculate the minimum cash deposit and theoretical mortgage from a property price, or the maximum home price supported by your available cash.
Financing range
The mortgage cap is a maximum, not an amount the bank must approve.
- Required down payment
- SEK 350,000
- Maximum mortgage
- SEK 3,150,000
- Theoretical maximum property price
- SEK 3,500,000
- Cash available for deposit
- SEK 350,000
- Cash left after deposit
- SEK 0
- Loan-to-value
- 90.00%
Details
Analysis & guidance
Get a loan promise first
Use the mortgage calculator for interest and amortisation, but let the lender confirm the credit range.
Houses have extra fees
Allow for Swedish title deed and possible mortgage deed costs in addition to the deposit.
Keep an emergency fund
Test the purchase in a household budget rather than spending every saved krona.
Common questions
Is the deposit always 10%?
No. That is the minimum only when the lender accepts the statutory 90% maximum. It may lend less or value the property below the agreed price.
Can I borrow the deposit?
Unsecured borrowing is outside the mortgage but increases debt and monthly costs, affecting approval. Swedish interest relief for unsecured loans is also phased out from 2026.
Are title deed and mortgage deed costs included?
No. A house usually has title deed and sometimes new mortgage deed costs. Keep cash aside or calculate them separately.
The Swedish mortgage cap
For a new home purchase from 1 April 2026, a mortgage may cover at most 90% of market value. This means at least 10% in own cash, although a lender can require more.
Working backwards from savings
SEK 450,000 supports a theoretical SEK 4.5 million price at 90% LTV. Keeping SEK 50,000 aside leaves SEK 400,000 and lowers that price to SEK 4 million.
Credit approval still matters
The lender tests income, debts, living costs, the property's value, and higher interest rates. The statutory cap is an outer limit, not a financing promise.
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.
How to read this calculator
These results are meant as guidance. They are based on rules, assumptions, and simplified models that can differ from your exact real-world situation.
Methodology
Each calculator uses defined inputs, assumptions, and logic. We explain the broader approach on the methodology page.
Read methodologySources and updates
Important calculators should be traceable back to official rules, public guidance, or other clearly stated references.
Read about sourcesCommon questions
Housing costs are more than the loanInterest is visible, but fees, running costs, amortisation, title deed costs and mortgage deeds all pull from the same household account.Mortgage calculator
Use the mortgage calculator for interest and amortisation, but let the lender confirm the credit range.
See Sweden's 90% mortgage cap, 10% minimum down payment and the amortisation thresholds at 50% and 70% loan-to-value.
Open mortgage calculatorSwedish property deed fee (lagfart) calculator
Allow for Swedish title deed and possible mortgage deed costs in addition to the deposit.
Shows the 1.5% rate for individuals or 4.25% for companies, and always uses the higher of purchase price or taxeringsvärde.
Calculate lagfart costHousehold budget calculator – monthly money left
Test the purchase in a household budget rather than spending every saved krona.
See money left, savings capacity, and annual margin
Build a household budgetPantbrev (mortgage deed) calculator
Use Pantbrev (mortgage deed) calculator to compare the next part of the same scenario.
Shows how much of your loan is covered by existing deeds and the exact fee for any new pantbrev you need.
Calculate pantbrev cost