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Calculate loan-to-value ratio from loan and value — see LTV %, down payment % and PMI need.
Calculate loan-to-value ratio from loan and value — see LTV %, down payment % and PMI need.
Enter values above and click Calculate — results will appear here with the formula explained.
LTV is loan divided by value. Down payment is 100 minus LTV. Above 80% LTV typically requires PMI.
Appraised value may differ from purchase price — lender uses lower of the two.
For YMYL, 80% LTV is key threshold for PMI removal and best rates.
To use the Loan to Value Ratio Calculator, enter loan amount, home value above for an instant result with full breakdown and formula (LTV = loan/value*100; Down % = 100-LTV; PMI if LTV>80%). Adjust values live to compare scenarios, then check the worked example and FAQs below for practical tips and costly mistakes to avoid.
Calculate loan-to-value ratio from loan and value — see LTV %, down payment % and PMI need. Formula: LTV = loan/value*100. Example: With $320k loan, $400k value: LTV 80%, down 20%, no PMI.
LTV is loan divided by value. Down payment is 100 minus LTV. Above 80% LTV typically requires PMI.
Appraised value may differ from purchase price — lender uses lower of the two.
For YMYL, 80% LTV is key threshold for PMI removal and best rates.
To use the Loan to Value Ratio Calculator, enter loan amount, home value above for an instant result with full breakdown and formula (LTV = loan/value*100; Down % = 100-LTV; PMI if LTV>80%). Adjust values live to compare scenarios, then check the worked example and FAQs below for practical tips and costly mistakes to avoid.
With $320k loan, $400k value: LTV 80%, down 20%, no PMI. With $360k loan: LTV 90%, down 10%, PMI required.
Formulas are standard public references (see our methodology). External standards are cited in the text where they apply.
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