Down Payment Calculator

Estimate loan amount and LTV ratio from your down payment amount or percentage.

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Down Payment Amount
$35,000.00
Down Payment Percent
10.00%
Loan Amount
$315,000.00
LTV Ratio
90.00%

How this calculator works

LTV, or loan-to-value ratio, compares the mortgage amount to the home price. Lower LTVs can improve pricing and reduce PMI needs.

Why use this Down Payment Calculator?

This tool helps U.S. borrowers model mortgage scenarios using practical inputs and plain-English explanations. Review the calculator output, compare related tools, and use the charts to understand how cost changes over time.

What to review after calculating

Look beyond the payment estimate. Check taxes, insurance, amortization, break-even timing, and debt load so you can move from estimate to action with clearer expectations.

Calculator results are estimates for planning and education. They are not a loan approval or financial advice.

Frequently Asked Questions

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