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Loan-to-Value (LTV) Calculator

Calculate loan-to-value (LTV) ratio from loan amount and property value.

Also known as: calculate loan to value ratio calculator, ltv calculator, calculate loan-to-value ratio, mortgage finance, mortgage calculate loan-to-value ratio

Inputs

Results update when you click Calculate LTV.

Loan-to-value (LTV)

80.00%

  • Equity$80,000.00
  • Equity %20.00%
  • Loan amount$320,000.00
  • Property value$400,000.00

PMI outlook

Often not required

80.0

Conventional-friendly

≤80%80–95%>95%
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What this result means

Calculate loan-to-value (LTV) ratio from loan amount and property value. LTV % = (Loan amount ÷ Property value) × 100.

Assumptions

  • Rule dependency: Universal formula / market assumptions.

LTV formula

LTV % = (Loan amount ÷ Property value) × 100.

Example

$320,000 loan on a $400,000 home = 80% LTV and $80,000 equity.

Frequently asked questions

What LTV avoids PMI?+

Many conventional loans drop PMI requirements at 80% LTV or below, though rules vary by lender and program.