Hometrino calculators

Down payment calculator

See upfront cash, loan size, and LTV—and when PMI often enters the picture.

Property

$
%

Quick benchmarks

Tap a common down payment % (updates percentage mode).

Down payment

$40,000

Loan amount $360,000 · LTV 90.0%

With LTV above 80%, many loans require PMI until you reach sufficient equity. Your actual requirement depends on the loan program and lender.

Financed amount

$360,000

LTV

90.00%

Loan ÷ price

Financed vs upfront

Definitions

Down payment is cash paid at closing toward the price. Loan amount is price minus down payment. LTV (loan-to-value) is loan divided by price—lenders use it for pricing and mortgage insurance rules.