Buying a Home

Loan-to-Value (LTV) Calculator

See your loan-to-value ratio based on your home value and loan amount. LTV affects your rate, PMI requirements, and what loan programs you qualify for.

Loan-to-Value Calculator

Enter By
Your LTV
80.0%
No PMI needed
Loan Amount
$320,000
Down Payment
$80,000
Equity
$80,000
20.0%
PMI Status
Not Required
LTV at or below 80%

Related Articles

What Is Loan-to-Value Ratio (LTV)?

Learn how loan-to-value ratio works, why lenders care about it, and how your LTV affects your mortgage rate, PMI requirements, and refinancing options.

What Is Private Mortgage Insurance (PMI)?

Learn what private mortgage insurance is, when it's required, how much it costs, and the different ways to get rid of it. PMI doesn't have to be forever.

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