// multi-utility computation suite · offline · instant · precise
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tool.loan-to-value Calculator
Calculates Loan-to-Value (LTV) ratio from property value and loan amount, and flags whether PMI applies (LTV > 80%). LTV below 80% avoids private mortgage insurance; below 60% unlocks the best HELOC rates.
Inputs
Price
The agreed sale price of the home. Your down payment is typically a percentage of this figure.
Down
Cash paid upfront, reducing the amount you borrow. Putting down 20%+ typically eliminates private mortgage insurance (PMI).
Results
loan amount
The principal borrowed — the starting balance before any interest accrues.
LTV
LTV (customer lifetime value) -- total revenue expected from a customer over their entire relationship. Compare to CAC for unit economics.
down payment
Sample size or count used in the calculation.
PMI required
Private mortgage insurance — required when your down payment is below 20%. Protects the lender, not you. Can usually be cancelled once LTV drops to 80%.