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Down Payment Calculator – Cash Needed & LTV

Quick answer

Down payment = home price × percent down: a 350,000 home at 20% down needs 70,000 cash and leaves an 80% LTV loan with no PMI.

Figures are estimates from this calculator’s standard formula — adjust the inputs in the tool below for your exact number.

How Does the Down Payment Calculator Work?

The down payment is the home price multiplied by the percentage you pay upfront. The calculator then derives the loan amount (price minus down payment), the loan-to-value ratio, and whether that LTV is low enough to avoid private mortgage insurance (PMI).

  1. 1

    Enter the price

    Type the full purchase price of the home you are considering.

  2. 2

    Choose your percent down

    Slide or type the down payment percentage, from 3% up to 100% cash.

  3. 3

    Read cash, loan and LTV

    See the cash needed upfront, the loan amount, your LTV, and whether PMI applies.

FAQs

How much down payment do I need?

It depends on the loan type and your finances rather than one universal number. Many conventional loans accept less than 20% down, some government-backed programs accept very little, and putting 20% or more down typically removes the private mortgage insurance (PMI) charge from the monthly payment. Enter different percentages here to see how the cash required, loan amount and LTV change.

What is LTV and why does 80% matter?

Loan-to-value (LTV) is the loan amount divided by the home price, expressed as a percentage. Once your LTV drops to 80% or below, lenders generally no longer require PMI, which is why a 20% down payment is the traditional target — the calculator flags your PMI status for whatever percentage you enter.

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