Musculoskeletal simulations can be used to determine loads experienced by the ligaments and cartilage during athletic motions such as impact from a drop landing, hence investigating mechanisms for injury. An open-source discrete element knee model was used to perform a forward dynamic simulation of the impact phase of a drop landing. Since the cartilage contact loads are largely depending on the elastic moduli of the cartilage, the analysis was performed for varying moduli: nominal stiffness based on the literature, stiffness increased by 10%, and decreased by 10%. As the cartilage stiffness increased, the medial compartment contact load decreased. Conversely, the lateral compartment load and MCL force increased, causing a shift in the load distribution. However, these changes were insignificant compared to the overall magnitude of the contact forces (<4% change). The ACL, PCL, and LCL loads remain unchanged between varying cartilage stiffness values. The medial compartment bears a majority of the load (860 N in medial compartment versus 540 N in lateral) during the impact phase of a drop landing, which agrees with physiological data that the medial side of the knee is more affected by osteoarthritis than the lateral side. This is one of the few models to quantify this load distribution and show the results are invariant to changes in cartilage stiffness.