CalculatorCast
Mathematik Finanzen Gesundheit & Fitness Datum & Uhrzeit Einheitenumrechner Computer Physik Chemie Bauwesen Ingenieurwesen Statistik Bildung Alltag Biologie Automobil Kochen & Essen Sport & Fitness Immobilien Fotografie Elektrik Landwirtschaft Reisen Wirtschaft
Alle Rechner Favoriten ()
English Español Français Deutsch Português Italiano Nederlands Polski Türkçe 日本語 한국어 Svenska Norsk Dansk Suomi עברית

PMI-Rechner

Berechnen Sie die Kosten der privaten Hypothekenversicherung und vergleichen Sie den Beleihungsauslauf mit den 80-%/78-%-Schwellen.

Einführung

PMI Calculator — Calculate private mortgage insurance cost and check LTV against the 80%/78% PMI thresholds. Enter Loan amount, Appraised value, PMI rate (%) to get an instant, accurate result.

Formel

LTV = loan amount / appraised value × 100. Annual PMI = loan amount × PMI rate% / 100 (default 0.75%, typical adjustable range roughly 0.5%–1.5% depending on credit and LTV). Monthly PMI = annual PMI / 12. PMI is generally required once LTV exceeds 80%, and under the Homeowners Protection Act it must automatically terminate at 78% LTV of the original value.

Schritt für Schritt

  1. Enter the Loan amount.
  2. Enter the Appraised value.
  3. Enter the PMI rate (%).
  4. Click Calculate to see your result instantly.

Praxisbeispiel

Example: With Loan amount = 180000, Appraised value = 200000, PMI rate (%) = 0.75, the PMI Calculator gives Ltv Pct: 90, Annual Pmi: 1350, Monthly Pmi: 112.5.

Häufig Gestellte Fragen

When does PMI go away?
By federal law (the Homeowners Protection Act), PMI must automatically terminate once your loan balance reaches 78% of the home's original value, assuming payments are current; you can also request cancellation earlier once you reach 80%.
Why does my PMI rate differ from the default 0.75% used here?
Actual PMI rates are set by mortgage insurers based on your credit score, down payment, and loan type — 0.75% is just a commonly cited midpoint, not a fixed rate.
Can I avoid PMI entirely?
Yes, typically by putting down at least 20% (LTV of 80% or less), using a piggyback second loan, or choosing a loan program that doesn't require it.
What inputs does the PMI Calculator need?
You'll need to provide: Loan amount, Appraised value, PMI rate (%). All fields use sensible defaults, so you can see a working example immediately and then adjust the values to match your own numbers.
How accurate is the PMI Calculator?
The PMI Calculator applies the formula exactly as calculated — LTV = loan amount / appraised value × 100. Annual PMI = loan amount × PMI rate% / 100 (default 0.75%, typical adjustable range roughly 0.5%–1.5% depending on credit and LTV). Monthly PMI = annual PMI / 12. PMI is generally required once LTV exceeds 80%, and under the Homeowners Protection Act it must automatically terminate at 78% LTV of the original value. — so results are precise for the inputs you provide. Accuracy depends on entering correct, realistic input values.
Is the PMI Calculator free to use?
Yes, the PMI Calculator is completely free, requires no signup, and runs instantly in your browser.

Über PMI-Rechner

The PMI Calculator uses a real, verifiable formula — LTV = loan amount / appraised value × 100. Annual PMI = loan amount × PMI rate% / 100 (default 0.75%, typical adjustable range roughly 0.5%–1.5% depending on credit and LTV). Monthly PMI = annual PMI / 12. PMI is generally required once LTV exceeds 80%, and under the Homeowners Protection Act it must automatically terminate at 78% LTV of the original value. — so results are accurate every time, not an approximation.