HOME BUYING, EQUITY, AND BORROWING
Loan-to-Value (LTV) Calculator
Estimate loan-to-value by comparing a mortgage or loan balance with the current property value you enter.
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Your result
Ready when you are.
Enter your values and select Calculate. Your result stays on this device.
How it works
Percentage = first amount ÷ comparison amount × 100.
Assumptions
Uses only the two values entered. It does not set an approval threshold, recommendation, or eligibility outcome.
About this calculator
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.
How to use it
- 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.
Use case
loan to value calculator: a clear planning check
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.
Source and update
Last reviewed: 2026-08-10
HUD — loan-to-value ratio training referenceFrequently asked questions
How do you calculate loan-to-value?
Divide the loan balance by the property value, then multiply by 100.
Is a lower LTV always better?
A lower ratio can mean more equity in a simple comparison, but lenders use their own underwriting, appraisal, lien, program, and pricing rules.
Does this calculator determine approval?
No. It only calculates the ratio from the values entered and does not make an eligibility or lending decision.
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