---
title: "First down payment under the \"єОселя\" program: from 165,000 UAH in Zaporizhzhia to 636,000 UAH in Lviv — how much you need to save for housing"
description: "LUN and Work.ua calculated the size of the down payment under the \"єОселя\" program in various Ukrainian cities: from 165,000 UAH in Zaporizhzhia to 636,000 UAH in Lviv. It is the initial payment, not the monthly one, that remains the main barrier to buying housing."
date: 2026-09-20T05:10:00.000Z
lang: en
url: https://xab.info/en/posts/first-down-payment-eoselya-program-different-cities-ukraine
tags: [eoselya, mortgage, housing, ukraine-economy, first-payment]
publisher: "XAB.info"
---

# First down payment under the "єОселя" program: from 165,000 UAH in Zaporizhzhia to 636,000 UAH in Lviv — how much you need to save for housing

![Young couple holding keys to their new apartment amid moving boxes — down payment for housing under Ukraine's 'eOseli' program](https://xab.info/media/2026/09/20/pervyi-vznos-po-programe-eoselya-v-raznyh-gorodah-ukrainy/pervyi-vznos-po-programe-eoselya-v-raznyh-gorodah-ukrainy-1.webp)

## 🎯 Key Points

- The main barrier under "єОселя" is the down payment, not the monthly payment
- The median down payment ranges from 165,000 UAH (Zaporizhzhia) to 636,000 UAH (Lviv)
- In Kyiv the down payment is 386,000 UAH, with a monthly payment of about 12,000 UAH (32% of the average salary)
- Mortgage volumes in Ukraine have reached 50 billion UAH, with 93% of new loans issued under "єОселя"

For millions of Ukrainians considering mortgage lending as the only realistic path to owning a home, the "єОселя" program remains the key instrument. However, according to fresh calculations by LUN and Work.ua, published in September 2026, the most serious barrier to buying an apartment under this program is not the monthly payment, but precisely the initial down payment. For the cheapest one-room apartment that meets the "єОселя" criteria, the total savings threshold ranges from 165,000 UAH in Zaporizhzhia to 636,000 UAH in Lviv — a gap of almost four times.

### The down payment as the main barrier

Analysts emphasize: even with the subsidized rate under "єОселя," the monthly payment for most families remains within a manageable budget. Far more critical turns out to be the one-time initial down payment, which must be available on hand at the moment the application is submitted. It is this amount that determines whether a particular person or family can even begin the purchase process. As a result, the gap between "affordable" and "unaffordable" housing within the program itself is no less significant than the gap between "єОселя" and commercial mortgages.

### Variation by city: from Zaporizhzhia to Lviv

The median down payment on the cheapest one-room apartment under the "єОселя" program ranges from 165,000 UAH in Zaporizhzhia to 636,000 UAH in Lviv. The highest down payment amounts have been recorded in western cities and Vinnytsia. For comparison: the median price of the cheapest apartment meeting the program's criteria in Lviv is 3.2 million UAH, in Uzhhorod — also 3.2 million UAH, and in Vinnytsia — 3 million UAH. Thus, in the west and center of the country, even the "cheapest" apartment under "єОселя" is significantly more expensive than in frontline regions, which directly translates into the size of the required initial payment.

### Kyiv: 386 thousand and 32% of the average salary

In the capital, buying a cheap one-room apartment requires a down payment of 386,000 UAH, while the median price of such housing is 1.9 million UAH. According to LUN and Work.ua calculations, the monthly payment in Kyiv is about 12,000 UAH, equivalent to roughly 32% of the average salary. This figure falls within the generally accepted norm for mortgage servicing (no more than 30–35% of income); however, the 386,000 UAH down payment remains out of reach for many Kyiv residents without family help or additional savings.

### Frontline cities: minimum thresholds

The least amount of money needs to be saved in frontline cities, where housing prices remain the lowest on the market. In Zaporizhzhia, the median apartment price is 825,000 UAH, and the monthly payment under "єОселя" is about 5,100 UAH. This makes the program most accessible precisely for residents of regions affected by hostilities — although, of course, the question of safety and the suitability of housing for permanent residence in such locations remains a separate and no less important discussion.

### How many years to save: LUN calculations

LUN also calculated how long it would take to save for the down payment if setting aside the entire average salary. The picture differs significantly between cities: in regions with low housing prices, the required amount can be saved in a relatively short time, whereas in Lviv or Vinnytsia, with the same income, the waiting period stretches to several years. Meanwhile, in Kherson, Chernivtsi, and the Donetsk and Luhansk regions, calculations were not conducted due to an insufficient number of listings on the market or a lack of relevant data, which in itself indicates a shortage of affordable housing in these regions.

### Context: the mortgage market is growing

Despite war risks and economic uncertainty, mortgage volumes in Ukraine have grown to 50 billion hryvnia, with 93% of new loans issued precisely under the "єОселя" program. Experts previously noted that to solve the housing problem on a mass scale, the country needs to issue about 100,000 mortgage loans per year. Current rates, even with the high share of "єОселя," are still well below this benchmark, confirming that lowering the down payment barrier remains the key condition for accelerating the market.

## 🔍 Fact-Check Verification

- [How much money do you need to buy an apartment under "єОселя": down payments in different cities](https://www.rbc.ua/ukr/news/skilki-treba-groshey-shchob-kupiti-kvartiru-1789479983.html) - Подтверждает диапазон 165–636 тыс. грн, медианные цены во Львове (3,2 млн), Ужгороде (3,2 млн), Виннице (3 млн), Киеве (1,9 млн), Запорожье (825 тыс.).
- ["єОселя" 2026: the down payment amount and savings period calculated for different cities](https://money.comments.ua/news/housing/eoselya-2026-rasschitana-summa-pervogo-vznosa-i-srok-nakopleniya-v-raznyh-gorodah-816647.html) - Подтверждает расчёты ЛУН и Work.ua по срокам накопления и ежемесячным платежам (Киев ~12 тыс. грн, Запорожье ~5,1 тыс. грн).
- ["єОселя" without illusions: how much Ukrainians need to save for a down payment on an apartment](https://from-ua.org/news/704429-jeoselia-bez-illiuzii-skolko-ukraincam-nuzno-nakopit-na-pervyi-vznos-za-kvartiru.html) - Согласуется с данными о разбросе по городам и ограничениях данных для Херсона, Черновцов, ДЛНР.
- [The size of the down payment under the єОселя program in Ukrainian cities](https://novosti.ua/society/pervyy-vznos-po-programe-yeoselya-ot-165-do-636-tysyach-griven-v-raznyh-gorodah) - Подтверждает диапазон 165–636 тыс. грн и контекст роста ипотечного рынка до 50 млрд грн.

## ❓ FAQ

### Q: What is the minimum down payment under the "єОселя" program?
**A:** The minimum median down payment has been recorded in Zaporizhzhia and amounts to 165,000 UAH for the cheapest one-room apartment with a median price of 825,000 UAH.

### Q: How much down payment is needed to buy an apartment in Kyiv under "єОселя"?
**A:** In Kyiv the down payment is 386,000 UAH, while the median price of the corresponding one-room apartment is 1.9 million UAH. The monthly payment is about 12,000 UAH, or roughly 32% of the average salary.

### Q: In which cities is the down payment under "єОселя" the highest?
**A:** The highest down payment amounts have been recorded in western Ukrainian cities and Vinnytsia. The maximum is 636,000 UAH in Lviv, where the median apartment price is 3.2 million UAH.

### Q: Why were calculations not conducted in some cities?
**A:** In Kherson, Chernivtsi, and the Donetsk and Luhansk regions, calculations were not conducted due to an insufficient number of listings on the market or a lack of relevant data.

### Q: What is the share of the "єОселя" program in Ukraine's mortgage market?
**A:** As of 2026, mortgage volumes in Ukraine have reached 50 billion hryvnia, with 93% of new loans issued precisely under the "єОселя" program.