PMI Calculator
Estimate private mortgage insurance and see how down payment affects loan-to-value.
Preparing your calculator…
MansionMath provides estimates for educational purposes. Actual loan terms, taxes, insurance, fees, investment returns, and eligibility may vary.
How this calculator works
Loan-to-value = loan ÷ home price × 100. Estimated annual PMI = loan × PMI rate. Monthly PMI = annual PMI ÷ 12. This conventional-loan estimate applies PMI only above 80% LTV; it does not determine eligibility or cancellation.
Use current quotes, local rates, and measured dimensions to make this estimate useful for your situation.
Frequently asked questions
How do I use the pmi calculator?+
Enter your measurements or financial assumptions above. Results update instantly. For a $400,000 home with $20,000 down, LTV is 95%. A 0.5% annual PMI rate on $380,000 gives about $158 per month.
How accurate is this estimate?+
Estimates use the inputs you supply. Actual lender terms, fees, insurance, taxes, and eligibility vary. Compare quotes and verify local costs before committing.