Loan-to-Value Ratio Calculator
Calculate your loan-to-value (LTV) ratio for mortgages and loans. Understand your equity and risk level.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Results
Loan-to-Value Ratio
80%
How to Use This Calculator
- Enter your loan amount (mortgage balance or new loan amount).
- Enter the property value (appraised or purchase price, whichever is lower).
- Review the LTV ratio — lenders typically require under 80% LTV to avoid PMI.
- An LTV below 80% is considered low risk; above 95% is high risk for lenders.
- Use this to calculate when you can request PMI removal (typically at 80% LTV).
Formula
LTV = (Loan Amount / Property Value) × 100Related Calculators
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