HOME BUYING, EQUITY, AND BORROWING
Estimate loan-to-value by comparing a mortgage or loan balance with the current property value you enter.
Your result
Enter your values and select Calculate. Your result stays on this device.
Percentage = first amount ÷ comparison amount × 100.
Uses only the two values entered. It does not set an approval threshold, recommendation, or eligibility outcome.
Loan-to-value, often shortened to LTV, compares a mortgage balance with a property value. It is commonly used as a planning metric when reviewing a purchase, refinance, home-equity loan, or a lender-provided appraisal.
Use case
Use a documented balance and a clearly identified property value or appraisal; lenders apply additional underwriting and eligibility rules.
Calculate the ratio between a mortgage balance and a property value without treating it as a lending decision.
Build a reliable scenario
Loan-to-Value (LTV) Calculator helps you check a specific home & mortgages question with figures that apply to you. Estimate loan-to-value by comparing a mortgage or loan balance with the current property value you enter. Use a documented balance and a clearly identified property value or appraisal; lenders apply additional underwriting and eligibility rules. Calculate the ratio between a mortgage balance and a property value without treating it as a lending decision. The page keeps the method and limits visible so the result can be understood, compared, and checked instead of treated as an unexplained answer.
Prepare Mortgage or loan balance and Current home value or appraisal. Use the current principal balance or proposed loan amount. Enter the property value from the appraisal or your chosen planning scenario. Calculate the ratio and keep the loan balance and value source separate. Compare the result with the written requirements from the lender or program you are considering. Keep units, dates, currency, and time periods consistent.
The stated method is: Percentage = first amount ÷ comparison amount × 100. Change one assumption at a time to see which input drives the result, then compare scenarios on the same basis.
Uses only the two values entered. It does not set an approval threshold, recommendation, or eligibility outcome. This is a ratio only. Appraisal standards, lender rules, lien priority, and eligibility are not determined.
Source and update
Last reviewed: 2026-08-10
HUD — loan-to-value ratio training referenceDivide the loan balance by the property value, then multiply by 100.
A lower ratio can mean more equity in a simple comparison, but lenders use their own underwriting, appraisal, lien, program, and pricing rules.
No. It only calculates the ratio from the values entered and does not make an eligibility or lending decision.
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