Purchase LTV

Calculate LTV based on purchase price and down payment

Home Purchase Price ($)

Down Payment

Down Payment Type

Loan Type

Appraised Value (if different from purchase price)

Common Scenarios

Click to pre-fill typical mortgage situations

LTV Result & Equity Breakdown

LTV Gauge

Your LTV vs. key lending thresholds

PMI Status & Lender Tiers

LTV Milestone Table

Key thresholds and how much equity you need to reach each one

LTV Target	Max Loan	Equity Needed	Gap from Now	Benefit

What-If Scenarios

How property value changes affect your LTV

LTV Summary

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Calculate

LTV Thresholds

≤ 60%Best rates available

≤ 75%Excellent — no PMI

≤ 80%Standard — no PMI

≤ 90%PMI required

≤ 95%High LTV — limited options

≤ 97%Max conventional

> 100%Underwater

LTV by Loan Type

ConventionalMax 97%

FHAMax 96.5%

VA LoanUp to 100%

USDAUp to 100%

JumboMax 80–90%

HELOCMax 85–90% CLTV

PMI Cost Estimate

LTV 80–85%0.2–0.5%/yr

LTV 85–90%0.5–0.8%/yr

LTV 90–95%0.8–1.2%/yr

LTV 95–97%1.0–1.5%/yr

PMI is based on loan amount annually. Drops off at 80% LTV.

LTV Calculator