Financial

Loan-to-Value (LTV) Calculator

Calculate your loan-to-value ratio to determine how much equity you have and how much you can borrow against your home.

Using the LTV Calculator

The Loan-to-Value (LTV) ratio is a critical number lenders use to assess risk. In real estate, an LTV above 80% often requires Private Mortgage Insurance (PMI). This tool helps you find that sweet spot for your down payment.

How it Works

Enter the purchase price or appraised value of the asset.

Input your total loan amount (or down payment).

Review the calculated LTV percentage.

Check if your LTV falls below the 80% threshold to avoid PMI.

Technical Formula


                        LTV = (Loan Amount / Appraised Value) x 100

Home Value ($)

First Mortgage Balance ($)

Second Mortgage Balance ($)

HELOC Balance ($)