{"id":202625,"date":"2025-05-15T09:30:19","date_gmt":"2025-05-15T09:30:19","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/"},"modified":"2025-05-15T09:30:19","modified_gmt":"2025-05-15T09:30:19","slug":"how-do-you-calculate-loan-to-value-for-pmi","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/","title":{"rendered":"How do you calculate loan to value for PMI?"},"content":{"rendered":"<p>Private Mortgage Insurance (PMI) is typically required by lenders when the down payment on a home is less than 20%. This insurance protects the lender in case the borrower defaults on the loan. One important factor in determining the cost of PMI is the loan to value ratio.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#What_is_Loan_to_Value_LTV_Ratio\" title=\"What is Loan to Value (LTV) Ratio?\">What is Loan to Value (LTV) Ratio?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#How_do_you_calculate_loan_to_value_for_PMI\" title=\"How do you calculate loan to value for PMI?\">How do you calculate loan to value for PMI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#What_is_a_good_loan_to_value_ratio_for_PMI\" title=\"What is a good loan to value ratio for PMI?\">What is a good loan to value ratio for PMI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#Why_is_loan_to_value_important_for_PMI\" title=\"Why is loan to value important for PMI?\">Why is loan to value important for PMI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#Can_you_avoid_PMI_with_a_high_loan_to_value_ratio\" title=\"Can you avoid PMI with a high loan to value ratio?\">Can you avoid PMI with a high loan to value ratio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#How_does_loan_to_value_affect_the_cost_of_PMI\" title=\"How does loan to value affect the cost of PMI?\">How does loan to value affect the cost of PMI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#Can_you_reduce_your_loan_to_value_ratio\" title=\"Can you reduce your loan to value ratio?\">Can you reduce your loan to value ratio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#What_is_the_difference_between_loan_to_value_and_down_payment\" title=\"What is the difference between loan to value and down payment?\">What is the difference between loan to value and down payment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#Does_the_loan_to_value_ratio_change_over_time\" title=\"Does the loan to value ratio change over time?\">Does the loan to value ratio change over time?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#Is_mortgage_insurance_different_from_PMI\" title=\"Is mortgage insurance different from PMI?\">Is mortgage insurance different from PMI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#Do_all_types_of_loans_require_PMI\" title=\"Do all types of loans require PMI?\">Do all types of loans require PMI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#Can_the_loan_to_value_ratio_impact_loan_approval\" title=\"Can the loan to value ratio impact loan approval?\">Can the loan to value ratio impact loan approval?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Loan_to_Value_LTV_Ratio\"><\/span>What is Loan to Value (LTV) Ratio?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Loan to Value (LTV) ratio is a financial term used by lenders to express the ratio of a loan amount in relation to the value of the property being purchased. LTV is calculated by dividing the loan amount by the appraised value of the property.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_do_you_calculate_loan_to_value_for_PMI\"><\/span>How do you calculate loan to value for PMI?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>To calculate loan to value for PMI, you divide the loan amount by the lesser of the purchase price or appraised value of the property. For example, if you are buying a home for $200,000 and putting down $40,000, your loan amount would be $160,000. If the appraised value of the home is $210,000, the loan to value ratio would be 76%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_a_good_loan_to_value_ratio_for_PMI\"><\/span>What is a good loan to value ratio for PMI?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A good loan to value ratio for PMI is typically 80% or less. Lenders prefer borrowers to have at least 20% equity in their home to mitigate the risk of default.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_is_loan_to_value_important_for_PMI\"><\/span>Why is loan to value important for PMI?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Loan to Value is important for PMI because it helps lenders assess the risk of lending money to a borrower. The higher the LTV ratio, the riskier the loan is considered.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_you_avoid_PMI_with_a_high_loan_to_value_ratio\"><\/span>Can you avoid PMI with a high loan to value ratio?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It is difficult to avoid PMI with a high loan to value ratio unless you are able to make a larger down payment to bring your LTV ratio below 80%. Alternatively, some lenders offer piggyback loans or lender-paid mortgage insurance as alternatives to traditional PMI.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_does_loan_to_value_affect_the_cost_of_PMI\"><\/span>How does loan to value affect the cost of PMI?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The higher the loan to value ratio, the higher the cost of PMI. Lenders charge higher premiums for borrowers with higher LTV ratios because they are considered higher risk.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_you_reduce_your_loan_to_value_ratio\"><\/span>Can you reduce your loan to value ratio?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>There are a few ways to reduce your loan to value ratio. You can make a larger down payment, pay down your mortgage faster, or wait for your home&#8217;s value to increase through appreciation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_difference_between_loan_to_value_and_down_payment\"><\/span>What is the difference between loan to value and down payment?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Loan to value ratio is a percentage that represents the amount of the loan compared to the value of the property, while the down payment is the upfront cash payment made by the borrower towards the purchase of the home.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_the_loan_to_value_ratio_change_over_time\"><\/span>Does the loan to value ratio change over time?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, the loan to value ratio can change over time as you pay down your mortgage, make improvements to your property, or if the value of your home increases through market appreciation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_mortgage_insurance_different_from_PMI\"><\/span>Is mortgage insurance different from PMI?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Mortgage insurance includes private mortgage insurance (PMI) for conventional loans, as well as mortgage insurance premiums for FHA loans and guarantee fees for VA loans. While the specific requirements and costs may vary, the purpose of mortgage insurance is to protect the lender in case the borrower defaults on the loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_all_types_of_loans_require_PMI\"><\/span>Do all types of loans require PMI?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Not all types of loans require PMI. Conventional loans with a loan to value ratio higher than 80% typically require PMI, whereas FHA loans require mortgage insurance premiums regardless of the loan to value ratio. VA loans do not require mortgage insurance, but they do charge a funding fee. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_the_loan_to_value_ratio_impact_loan_approval\"><\/span>Can the loan to value ratio impact loan approval?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, the loan to value ratio can impact loan approval. Lenders use the LTV ratio as a measure of risk, so a higher ratio may make it more difficult to qualify for a loan or may result in a higher interest rate.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Private Mortgage Insurance (PMI) is typically required by lenders when the down payment on a home is less than 20%. This insurance protects the lender in case the borrower defaults on the loan. One important factor in determining the cost of PMI is the loan to value ratio. What is Loan to Value (LTV) Ratio? &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"How do you calculate loan to value for PMI?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#more-202625\">Read more<span class=\"screen-reader-text\">How do you calculate loan to value for PMI?<\/span><\/a><\/p>\n","protected":false},"author":51,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-202625","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How do you calculate loan to value for PMI?<\/title>\n<meta name=\"description\" content=\"Private Mortgage Insurance (PMI) is typically required by lenders when the down payment on a home is less than 20%. This insurance protects the lender in\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How do you calculate loan to value for PMI?\" \/>\n<meta property=\"og:description\" content=\"Private Mortgage Insurance (PMI) is typically required by lenders when the down payment on a home is less than 20%. This insurance protects the lender in\" \/>\n<meta property=\"og:url\" content=\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/\" \/>\n<meta property=\"og:site_name\" content=\"Namso Gen Blog - Free Credit Card Generator [100% Valid]\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/synchronyfinancial\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-15T09:30:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/namso-gen.co\/blog\/wp-content\/uploads\/2024\/03\/faq.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Adam Forbes\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@synchrony\" \/>\n<meta name=\"twitter:site\" content=\"@synchrony\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Adam Forbes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/\"},\"author\":{\"name\":\"Adam Forbes\",\"@id\":\"https:\/\/namso-gen.co\/blog\/#\/schema\/person\/88cd882dfb29a6b147bc0ea26dc84060\"},\"headline\":\"How do you calculate loan to value for PMI?\",\"datePublished\":\"2025-05-15T09:30:19+00:00\",\"dateModified\":\"2025-05-15T09:30:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/\"},\"wordCount\":643,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/#organization\"},\"articleSection\":[\"Learn\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/\",\"url\":\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/\",\"name\":\"How do you calculate loan to value for PMI?\",\"isPartOf\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/#website\"},\"datePublished\":\"2025-05-15T09:30:19+00:00\",\"dateModified\":\"2025-05-15T09:30:19+00:00\",\"description\":\"Private Mortgage Insurance (PMI) is typically required by lenders when the down payment on a home is less than 20%. This insurance protects the lender in\",\"breadcrumb\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/namso-gen.co\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How do you calculate loan to value for PMI?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/namso-gen.co\/blog\/#website\",\"url\":\"https:\/\/namso-gen.co\/blog\/\",\"name\":\"Namso Gen Blog - Free Credit Card Generator [100% Valid]\",\"description\":\"In Namso gen blog you can get many tips regarding to Credit cards, VCC, Credit card security etc. You can generate credit cards by using Namso-gen.co\",\"publisher\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/namso-gen.co\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/namso-gen.co\/blog\/#organization\",\"name\":\"Namso Gen Blog - Free Credit Card Generator [100% Valid]\",\"url\":\"https:\/\/namso-gen.co\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/namso-gen.co\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/namso-gen.co\/blog\/wp-content\/uploads\/2020\/07\/namso-gen-logo.png\",\"contentUrl\":\"https:\/\/namso-gen.co\/blog\/wp-content\/uploads\/2020\/07\/namso-gen-logo.png\",\"width\":500,\"height\":164,\"caption\":\"Namso Gen Blog - Free Credit Card Generator [100% Valid]\"},\"image\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/synchronyfinancial\",\"https:\/\/twitter.com\/synchrony\",\"https:\/\/www.youtube.com\/synchronyfinancial\",\"https:\/\/www.instagram.com\/synchrony\",\"https:\/\/www.linkedin.com\/company\/synchrony-financial\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/namso-gen.co\/blog\/#\/schema\/person\/88cd882dfb29a6b147bc0ea26dc84060\",\"name\":\"Adam Forbes\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/namso-gen.co\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=mm&r=g\",\"caption\":\"Adam Forbes\"},\"description\":\"Guest author Adam Forbes has meticulously crafted and revised this article to the best of their knowledge and understanding. Readers are strongly advised to exercise caution, verify information independently, and rely on their own judgment when considering the information provided. Read more articles on Namso Gen here.\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How do you calculate loan to value for PMI?","description":"Private Mortgage Insurance (PMI) is typically required by lenders when the down payment on a home is less than 20%. This insurance protects the lender in","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/","og_locale":"en_US","og_type":"article","og_title":"How do you calculate loan to value for PMI?","og_description":"Private Mortgage Insurance (PMI) is typically required by lenders when the down payment on a home is less than 20%. This insurance protects the lender in","og_url":"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/","og_site_name":"Namso Gen Blog - Free Credit Card Generator [100% Valid]","article_publisher":"https:\/\/www.facebook.com\/synchronyfinancial","article_published_time":"2025-05-15T09:30:19+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/namso-gen.co\/blog\/wp-content\/uploads\/2024\/03\/faq.png","type":"image\/png"}],"author":"Adam Forbes","twitter_card":"summary_large_image","twitter_creator":"@synchrony","twitter_site":"@synchrony","twitter_misc":{"Written by":"Adam Forbes","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#article","isPartOf":{"@id":"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/"},"author":{"name":"Adam Forbes","@id":"https:\/\/namso-gen.co\/blog\/#\/schema\/person\/88cd882dfb29a6b147bc0ea26dc84060"},"headline":"How do you calculate loan to value for PMI?","datePublished":"2025-05-15T09:30:19+00:00","dateModified":"2025-05-15T09:30:19+00:00","mainEntityOfPage":{"@id":"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/"},"wordCount":643,"commentCount":0,"publisher":{"@id":"https:\/\/namso-gen.co\/blog\/#organization"},"articleSection":["Learn"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/","url":"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/","name":"How do you calculate loan to value for PMI?","isPartOf":{"@id":"https:\/\/namso-gen.co\/blog\/#website"},"datePublished":"2025-05-15T09:30:19+00:00","dateModified":"2025-05-15T09:30:19+00:00","description":"Private Mortgage Insurance (PMI) is typically required by lenders when the down payment on a home is less than 20%. This insurance protects the lender in","breadcrumb":{"@id":"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/namso-gen.co\/blog\/how-do-you-calculate-loan-to-value-for-pmi\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/namso-gen.co\/blog\/"},{"@type":"ListItem","position":2,"name":"How do you calculate loan to value for PMI?"}]},{"@type":"WebSite","@id":"https:\/\/namso-gen.co\/blog\/#website","url":"https:\/\/namso-gen.co\/blog\/","name":"Namso Gen Blog - Free Credit Card Generator [100% Valid]","description":"In Namso gen blog you can get many tips regarding to Credit cards, VCC, Credit card security etc. You can generate credit cards by using Namso-gen.co","publisher":{"@id":"https:\/\/namso-gen.co\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/namso-gen.co\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/namso-gen.co\/blog\/#organization","name":"Namso Gen Blog - Free Credit Card Generator [100% Valid]","url":"https:\/\/namso-gen.co\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/namso-gen.co\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/namso-gen.co\/blog\/wp-content\/uploads\/2020\/07\/namso-gen-logo.png","contentUrl":"https:\/\/namso-gen.co\/blog\/wp-content\/uploads\/2020\/07\/namso-gen-logo.png","width":500,"height":164,"caption":"Namso Gen Blog - Free Credit Card Generator [100% Valid]"},"image":{"@id":"https:\/\/namso-gen.co\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/synchronyfinancial","https:\/\/twitter.com\/synchrony","https:\/\/www.youtube.com\/synchronyfinancial","https:\/\/www.instagram.com\/synchrony","https:\/\/www.linkedin.com\/company\/synchrony-financial"]},{"@type":"Person","@id":"https:\/\/namso-gen.co\/blog\/#\/schema\/person\/88cd882dfb29a6b147bc0ea26dc84060","name":"Adam Forbes","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/namso-gen.co\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=mm&r=g","caption":"Adam Forbes"},"description":"Guest author Adam Forbes has meticulously crafted and revised this article to the best of their knowledge and understanding. Readers are strongly advised to exercise caution, verify information independently, and rely on their own judgment when considering the information provided. Read more articles on Namso Gen here."}]}},"_links":{"self":[{"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/posts\/202625","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/users\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/comments?post=202625"}],"version-history":[{"count":0,"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/posts\/202625\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/media\/107420"}],"wp:attachment":[{"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/media?parent=202625"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/categories?post=202625"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/tags?post=202625"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}