LTV Calculator

Instantly compute your Loan-to-Value ratio, equity, and PMI requirement — all in one place.

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Optional — Combined LTV (CLTV)
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Loan-to-Value Ratio
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Loan-to-Value Ratio
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<80% Excellent
80–90% Fair
>90% High Risk
Loan Amount
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Down Payment
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Equity
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Property Value
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Appraised value
PMI Status
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📚 Learn About LTV

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What is LTV?

Loan-to-Value (LTV) is the ratio of your mortgage loan to the appraised value of the property. It tells lenders how much financial risk they're taking.


Formula:
LTV = (Loan Amount ÷ Property Value) × 100

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Why 80% Matters

  • LTV below 80% = no PMI required
  • Better interest rates from lenders
  • More equity means financial security
  • Easier refinancing options
  • Lower monthly payment burden
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How to Improve LTV

  • Increase your down payment
  • Wait for property appreciation
  • Make extra principal payments
  • Request a new home appraisal
  • Home improvements that add value