Real Estate
Down Payment & Loan-to-Value Calculator
Down payment, loan amount, and LTV from price and percentage.
Free down payment and LTV calculator. Enter the purchase price and down payment percentage to get your down payment amount, loan amount, and loan-to-value ratio.
LTV = loan ÷ price. Investment loans often need 20–25%+ down; lower LTV usually means better terms and no mortgage insurance.
How it works
Enter the price
Input the purchase price of the property.
Enter the down payment percentage
Add the percentage you plan to put down.
Read the numbers
The calculator returns the down payment amount, the loan amount, and the loan-to-value ratio.
Frequently asked
What is loan-to-value (LTV)?
LTV is the loan amount divided by the property value, as a percentage. Put 20% down and your LTV is 80%. Lenders use it to gauge risk — lower LTV means more equity cushion and usually better terms.
How much down payment do investors need?
Investment-property loans typically require more down than owner-occupied — often 20–25%+. The exact figure depends on the loan program, property type, and your profile. This calculator lets you model any down-payment percentage.
Why does LTV matter for investors?
It affects your rate, whether you'll pay mortgage insurance, and how much cash you tie up. Higher leverage (high LTV) stretches your capital across more deals but raises payments and risk; lower LTV is safer but uses more cash per property.