Loan-to-Value (LTV) Calculator

Enter the loan amount and the property's appraised value to calculate the loan-to-value (LTV) ratio.

Loan-to-Value (LTV) Calculator

Calculate the Loan-to-Value (LTV) ratio — a key figure lenders use to assess mortgage risk.

This calculator provides an estimate for general informational purposes only. It is not a substitute for professional financial, mechanical or engineering advice.

LTV compares how much you're borrowing to the value of the asset securing the loan, and is one of the main factors lenders use to price mortgage risk and decide if mortgage insurance is required.

Example

  • With the default values shown above, this calculator returns: Loan-to-Value (LTV) Ratio ≈ 80.00.

Frequently Asked Questions

What is the formula?

LTV % = Loan Amount ÷ Property Value × 100.

Why does LTV matter?

A lower LTV (more equity/down payment relative to the loan) generally means a lower interest rate and less risk for the lender; many lenders require private mortgage insurance above an 80% LTV.

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