Free calculator
Loan To Value Calculator
Free Loan To Value Calculator with instant browser-based results and a clear calculation breakdown.
Loan-to-Value (LTV) Calculator
Calculate the loan-to-value ratio for a property. LTV is the ratio of the loan amount to the property's appraised value, expressed as a percentage. Lower LTV ratios typically result in better loan terms.
Loan-to-Value Ratio
0%
Loan Amount:
$0
Property Value:
$0
Down Payment:
$0
Down Payment %:
0%
Formula:
LTV = (Loan Amount ÷ Property Value) × 100
What does this mean?
The Loan-to-Value ratio represents the percentage of the property's value that is financed through a loan. A lower LTV indicates more equity in the property and typically results in better interest rates and loan terms.
General Guidelines:
- 80% or less: Excellent - Often avoids PMI (Private Mortgage Insurance)
- 80-90%: Good - May require PMI
- 90-95%: Fair - Higher risk, PMI required
- Above 95%: High - Limited loan options, higher costs
Note: This calculator provides estimates only. Actual loan terms depend on many factors including credit score, income, and lender requirements.
Want to understand the calculation?
Read the guideSee examples, formula notes and limitations.