Unknown Title
PMI LTV Chart Calculator
Months to 78% LTV (PMI Auto-Cancel)
53
LTV reaches 78% in Feb 2031 · 4 yr 5 mo
Starting LTV
90.0%
$360,000 loan
Monthly Payment
$2,275
P&I only
Cancel Threshold
78% LTV
automatic termination
LTV by Year
| Year | LTV | Balance | Home Value |
|---|---|---|---|
| Start | 90.0% | $360,000 | $400,000 |
| Yr 1 | 87.3% | $355,976 | $408,000 |
| Yr 2 | 84.5% | $351,683 | $416,160 |
| Yr 3 | 81.8% | $347,102 | $424,483 |
| Yr 4 | 79.0% | $342,214 | $432,973 |
| Yr 5 | 76.3% | $337,000 | $441,632 |
| Yr 6 | 73.6% | $331,435 | $450,465 |
| Yr 7 | 70.8% | $325,498 | $459,474 |
LTV Over Time
Amber zone = PMI active (LTV > 80%). PMI auto-terminates at 78% LTV.
Summary Statistics
Home Price
$400,000
Down Payment
$40,000 (10%)
Loan Amount
$360,000
Monthly Payment
$2,275
PMI Auto-Cancel
Feb 2031 (mo 53)
Appreciation Assumed
2% / yr
Related Calculators
Home Loan Calculator
Calculate home loan EMI, total interest, and amortization schedule.
Auto Loan Calculator
Detailed auto loan with trade-in, taxes, fees, and amortization.
Bike Loan Calculator
Calculate bike loan EMI, total cost, and repayment breakdown.
Boat Loan Calculator
Estimate boat financing payments, interest, and amortization.
Student Loan Calculator
Calculate student loan payments with income-driven repayment plans.
Gold Loan Calculator
Calculate gold loan amount based on gold weight, purity, and LTV ratio.
USDA Loan Calculator
Calculate USDA loan payments with guarantee fee and income eligibility.
Loan Against Property Calculator
Calculate LAP EMI based on property value and loan-to-value ratio.