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Real Estate

Loan to Value Calculator

LTV ratio for a mortgage.

Enter your values

Enter the loan balance in $.

Enter the property value in $.

Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.

Results
Loan to value
80%
Equity
$80,000.00
Equity percentage
20%
To reach 80% LTV, pay down
$0.00
PMI likely?
No

Quick answer

LTV is the loan balance divided by property value; under 80% avoids mortgage insurance and unlocks better rates.

LTV = Loan ÷ Value × 100

At a glance

What it doesLTV ratio for a mortgage.
CategoryReal Estate
Inputs neededLoan balance, Property value
Main outputLoan to value
FormulaLTV = Loan ÷ Value × 100
CostFree — no sign-up, no download

How to use the Loan to Value Calculator

  1. 1Enter your current loan balance.
  2. 2Enter the property's market value.
  3. 3Check whether you are below the 80% threshold.

Inputs explained

Loan balance($)
Enter the loan balance in $.
Property value($)
Enter the property value in $.

Worked example

Using the values the calculator loads with:

Inputs

  • Loan balance320000 $
  • Property value400000 $

Results

  • Loan to value80%
  • Equity$80,000.00
  • Equity percentage20%
  • To reach 80% LTV, pay down$0.00
  • PMI likely?No

Frequently asked questions

Why does 80% matter?

Below 80% LTV lenders drop mortgage insurance and offer better pricing.

Can I use an appraisal to drop PMI?

Yes, many lenders allow a new appraisal to prove you crossed 80%.

What do I need to enter into the Loan to Value Calculator?

Just 2 values: loan balance, property value. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.

How does the Loan to Value Calculator work out the answer?

LTV is the loan balance divided by property value; under 80% avoids mortgage insurance and unlocks better rates. It applies the formula LTV = Loan ÷ Value × 100 and shows the working so you can check each step by hand.

Is the Loan to Value Calculator free, and do I need an account?

It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.

Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.