Loan to Value Calculator
Calculate the Loan-to-Value (LTV) ratio by dividing loan amount by property value. See equity amount and equity percentage.
How to Use the LTV Calculator
- Enter the loan (or mortgage) amount.
- Enter the appraised property value.
- Click Calculate to see your LTV ratio and equity.
مرجع سريع
| من | إلى |
|---|---|
| LTV ≤ 80% | No PMI required |
| LTV 80–90% | PMI likely required |
| LTV 90–95% | High LTV, higher rates |
| LTV > 100% | Underwater mortgage |
| 20% down payment | 80% LTV |
حالات الاستخدام
- •Determining if you need private mortgage insurance (PMI).
- •Evaluating equity position for refinancing.
- •Assessing risk for mortgage approval decisions.
الصيغة
LTV = (Loan Amount / Property Value) × 100%. Equity = Property Value − Loan Amount.
الأسئلة الشائعة
What is a good LTV ratio?
An LTV of 80% or lower is generally preferred by lenders; below 80% avoids private mortgage insurance.
What happens if LTV exceeds 100%?
An LTV over 100% means you owe more than the property is worth — commonly called being underwater.
Is it free?
Yes, all calculators are completely free.