Finance

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Loan-to-Value Calculator.

Calculate loan-to-value from loan amount and property value.

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Loan-to-value ratio: 80.00% %

Loan-to-value ratio

80.00%%

FAQs

How does the ltv calculator work?

Enter the requested values to receive a deterministic result. No live market, tax, or jurisdiction data is inferred.

Cite this calculator

Canonical URL: https://mathify.one/de/finance/ltv

Cite as: Mathify. (2026). Loan-to-Value Calculator. https://mathify.one/de/finance/ltv

Use Cases

Mortgage refinancing decisions

Determine if you have enough equity to refinance or avoid PMI. Many lenders require an LTV of 80% or less for favorable terms.

Example: If your home is worth $300,000 and you owe $210,000, your LTV is 70%.

Home buying planning

Estimate the LTV for a potential home purchase to understand down payment requirements and loan options.

Example: For a $250,000 home with a $50,000 down payment, your loan is $200,000, so LTV is 80%.

Frequently Asked Questions

What is a loan-to-value (LTV) ratio?
LTV is a financial term that compares the amount of a loan to the appraised value of the property used as collateral. It is expressed as a percentage. For example, if you borrow $80,000 on a property worth $100,000, your LTV is 80%.
How do I calculate my LTV ratio?
Divide the loan balance by the property value, then multiply by 100. For instance, a loan balance of $150,000 on a property valued at $200,000 gives an LTV of 75%.
Why is LTV important for lenders?
Lenders use LTV to assess risk. A higher LTV means more risk for the lender because you have less equity. It often affects loan approval, interest rates, and whether you need private mortgage insurance (PMI).

Tips & Common Mistakes

Tips

  • Use the current appraised value of the property, not the purchase price, for the most accurate LTV.
  • If your LTV is above 80%, you may need to pay for private mortgage insurance (PMI) on a conventional loan.
  • A lower LTV can help you qualify for better interest rates and loan terms.
  • Re-calculate your LTV periodically as your property value changes or as you pay down your loan.

Common Mistakes to Avoid

  • Using the purchase price instead of the current market value, which can skew your LTV.
  • Forgetting to include all outstanding loan balances, such as a second mortgage or home equity line of credit.
  • Assuming a lower LTV always means you can avoid PMI; lender requirements vary.

Last updated: August 13, 2026