LTV Calculator

Loan-to-Value ratio — your equity as a percentage of home value.

Home Value ($)

Loan Amount ($)

LTV Ratio

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Equity $

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Equity %

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PMI Required

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To Reach 80% LTV

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Rate Tier

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How it works

LTV affects both rate and PMI. Lenders price loans in tiers — typically 60%, 70%, 80%, 90%, 95% — with the lowest rates at lowest LTVs. Above 80% LTV, you'll usually need to pay PMI on conventional loans.

For informational purposes only. Not financial advice.