Loan-to-Value Calculator
Calculate the loan-to-value (LTV) ratio for a mortgage or refinance.
Amortization schedule
| # | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
Showing first 12 of months.
Growth over time
| Year | Invested | Value |
|---|---|---|
Introduction
Loan-to-Value Calculator — Calculate the loan-to-value (LTV) ratio for a mortgage or refinance. Enter Loan amount, Appraised value to get an instant, accurate result.
Formula
LTV% = (loan amount / appraised value) × 100.
Step-by-step
- Enter the Loan amount.
- Enter the Appraised value.
- Click Calculate to see your result instantly.
Real-world example
Example: With Loan amount = 160000, Appraised value = 200000, the Loan-to-Value Calculator gives Ltv Pct: 80.
Frequently Asked Questions
What LTV do lenders consider good?
Below 80% typically avoids PMI on a conventional loan and often qualifies for better rates; some loan programs allow much higher LTVs (e.g. FHA up to ~96.5%).
Should I use appraised value or purchase price?
Lenders use the lower of the appraised value or purchase price, so use whichever applies to your situation for an accurate LTV.
What inputs does the Loan-to-Value Calculator need?
You'll need to provide: Loan amount, Appraised value. All fields use sensible defaults, so you can see a working example immediately and then adjust the values to match your own numbers.
How accurate is the Loan-to-Value Calculator?
The Loan-to-Value Calculator applies the formula exactly as calculated — LTV% = (loan amount / appraised value) × 100. — so results are precise for the inputs you provide. Accuracy depends on entering correct, realistic input values.
Is the Loan-to-Value Calculator free to use?
Yes, the Loan-to-Value Calculator is completely free, requires no signup, and runs instantly in your browser.
About the Loan-to-Value Calculator
The Loan-to-Value Calculator uses a real, verifiable formula — LTV% = (loan amount / appraised value) × 100. — so results are accurate every time, not an approximation.