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Loan-to-Value & Deposit Calculator

Work out your LVR, the deposit needed to reach a target band, and whether mortgage insurance is triggered.

Computed in your browser — nothing you enter is uploaded. Figures are presented for United States against IRC 2024, and every formula is cited under regulatory standards below.

Last verified 2026-08-27 · v1.0.0

Market
Imperial · sales tax

Loan-to-value ratio

85 %

High confidence

Above 80% LVR, mortgage insurance is normally required. Its cost is commercial pricing set by insurers and lenders — this calculator does not estimate the premium, because no public table exists to estimate it from.

Loan amount
425000 currency
Deposit as a share of value
15 %
Deposit needed for 80% LVR
100000 currency
Shortfall against that target
25000 currency
Equity at completion
75000 currency

At the values currently entered, the loan-to-value ratio works out to 85 %. The largest intermediate quantity is deposit as a share of value, at 15 % — check that step first if the total looks off. Note that property value and deposit / down payment sit at the edge of the range this calculator was checked against, so treat the output as indicative rather than settled. Figures are shown for United States, where IRC 2024 is the governing residential reference; switch the market above if you are building elsewhere.

Preliminary estimate, not certified engineering. This tool produces an indicative quantity calculation for planning purposes only — it is not a certified structural analysis, a guaranteed material takeoff, or a substitute for building department approval. Always verify measurements on-site and have a licensed contractor or structural engineer review any load-bearing, code-sensitive, or safety-critical work before purchasing materials or starting construction. Spotted an arithmetic or standards error? Report it to contact@craftquantities.com with your inputs — confirmed fixes become pinned regression tests.

[Schema Verified] Computed in alignment with American Concrete Institute (ACI 318-19) formulas and International Residential Code (IRC 2024) spatial boundaries.

Regulatory standards & verification citations

  • LVR = loan ÷ property value. An 80% LVR is the near-universal threshold above which lenders require mortgage insurance (LMI in Australia, CMHC or private insurance in Canada, PMI in the United States)
  • Premium amounts are commercial pricing and are not published as a public table; this calculator computes the threshold, not the premium

Your workspace

Most jobs need more than one number. Add the calculators you need next and they open right here, underneath this one — your figures stay on screen and nothing is lost to a page change.

Frequently asked questions

Why does this not tell me what mortgage insurance will cost?
Because there is no honest way to. LMI in Australia, private insurance in Canada and the United States are all commercial products priced by a small number of insurers, varied by lender, loan size, loan purpose and borrower profile, and not published as a public table. Any site quoting a precise premium is either using one lender's schedule or making it up. What can be stated truthfully is the LVR that determines whether a premium applies at all.
What happens if the valuation comes in low?
Your LVR rises, because lenders work from the lower of price and valuation. A property agreed at $500,000 but valued at $480,000 means your $100,000 deposit is now 20.8% of the price but the loan is measured against $480,000 — and the gap has to be found in cash or the price renegotiated. It is one of the most common late-stage problems in a purchase.
Is it worth pushing to the next LVR band?
Often, and by more than people expect. Lenders price in steps rather than continuously, so moving from 81% to 80% can change both the rate and whether insurance is required — a much bigger effect than the extra 1% of deposit. The shortfall figure in the breakdown tells you exactly how far away the next band is.