Loan-to-Value (LTV) Calculator
Loan-to-value (LTV) is your mortgage divided by the home's value. It decides whether you need default insurance on a purchase, which premium rate applies, and how much you can borrow against your home.
Calculator
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Loan-to-value (LTV)
80.0%
Equity: $140,000 (20.0%)
Default insurance on a purchase
Not required
LTV of 80% or less (20% or more down)
| LTV up to | Premium |
|---|---|
| 65% | 0.60% |
| 75% | 1.70% |
| 80% | 2.40% |
| 85% | 2.80% |
| 90% | 3.10% |
| 95% | 4.00% |
A home equity line of credit (HELOC) can be up to 65% of the home's value: $455,000 here.
Estimate only, based on the published rules listed below. Lenders, insurers and tax authorities apply their own criteria.
Why LTV matters
- Above 80% LTV (less than 20% down), a purchase needs mortgage default insurance.
- The insurance premium rate rises with LTV, up to 95%, the most that can be insured.
- A home equity line of credit can be at most 65% of the home's value.
Sources
Rules are summarized in our own words from official publications. Check the source and talk to your lender or a licensed professional before making a decision.
Informational only, not financial advice. Data as of the release snapshot generated 2026-11-14.