Finance Tools
Loan-to-Value (LTV) Calculator
Calculate your loan-to-value (LTV) ratio to see how much of the property value is financed by a loan.
Calculate how much of the property value is financed by your loan. Lenders use LTV to decide approval, pricing, and whether you need PMI.
How to use this loan-to-value (ltv) calculator
- Enter the current appraised value or purchase price of the property.
- Enter the total loan amount you are borrowing or that remains on your mortgage.
- Click Calculate to compute your LTV ratio as a percentage.
- Compare your LTV against common lender thresholds for mortgage approval or refinancing.
Example
For example, if your home is worth $400,000 and your loan balance is $320,000, this calculator will show:
- Your LTV ratio (in this case, 80%).
- Whether your LTV is low enough to remove PMI or qualify for better rates.
- How much equity you currently have in the property.
- How extra payments or price changes could improve your LTV over time.
More tools in Finance Tools
- Loan Payment Calculator
Calculate monthly payment for a fixed-rate loan.
- Mortgage Calculator
Estimate your monthly mortgage payment based on loan amount, interest rate, and term.
- Home Affordability Calculator
Estimate how much house you can afford based on your income, debts, and loan terms.
- Amortization Calculator
Generate a full amortization schedule with monthly principal and interest breakdown.