Loan to Value Calculator
LTV ratio for a mortgage.
Enter your values
Results update instantly as you type — no submit needed.
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
How to use the Loan to Value Calculator
- 1Enter your current loan balance.
- 2Enter the property's market value.
- 3Check whether you are below the 80% threshold.
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%.