Loan to Value Ratio Calculator

Calculate loan-to-value ratio from loan and value — see LTV %, down payment % and PMI need.

Loan to Value Ratio Calculator

Calculate loan-to-value ratio from loan and value — see LTV %, down payment % and PMI need.

Loan amount($)

Home value($)

Enter values above and click Calculate — results will appear here with the formula explained.

LTV = loan/value*100; Down % = 100-LTV; PMI if LTV>80%

How does this work?

LTV is loan divided by value. Down payment is 100 minus LTV. Above 80% LTV typically requires PMI.

Appraised value may differ from purchase price — lender uses lower of the two.

For YMYL, 80% LTV is key threshold for PMI removal and best rates.

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Disclaimer: Results are estimates for informational purposes only and do not constitute professional financial advice. Consult a qualified professional for decisions.

What is Loan to Value Ratio?

LTV is loan divided by value. Down payment is 100 minus LTV. Above 80% LTV typically requires PMI. Formula: LTV = loan/value*100; Down % = 100-LTV; PMI if LTV>80%

Quick Answer

Loan to Value Ratio Calculator computes calculate loan-to-value ratio from loan and value — see ltv %, down payment % and pmi need. Formula: LTV = loan/value*100. Example: With $320k loan, $400k value: LTV 80%, down 20%, no PMI.

What it does: Calculate loan-to-value ratio from loan and value — see LTV %, down payment % and PMI need.
Formula: LTV = loan/value*100; Down % = 100-LTV; PMI if LTV>80%
Inputs: Loan amount ($) · Home value ($)
Example: With $320k loan, $400k value: LTV 80%, down 20%, no PMI.

Calculator Inputs at a Glance

Field	What to enter
Loan amount ($)	e.g. 320000
Home value ($)	e.g. 400000

All fields use the exact formulas shown below — results include step-by-step breakdowns you can verify by hand.

How to Use This Calculator

1Enter loan amount and home value (purchase or appraised).
2Calculate to see LTV, down percent and PMI need.
3To avoid PMI, need LTV ≤80% (20% down).

Formula Used

LTV = loan/value*100; Down % = 100-LTV; PMI if LTV>80%

LTV is loan divided by value. Down payment is 100 minus LTV. Above 80% LTV typically requires PMI.

Appraised value may differ from purchase price — lender uses lower of the two.

For YMYL, 80% LTV is key threshold for PMI removal and best rates.

AdSense ready — add NEXT_PUBLIC_GOOGLE_ADSENSE_PUBLISHER_ID

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Worked Example

With $320k loan, $400k value: LTV 80%, down 20%, no PMI. With $360k loan: LTV 90%, down 10%, PMI required.

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Estimate the monthly payment on a home loan including taxes and insurance.

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Estimate how much house you can afford from income, debts, down payment, rate and term using the 28/36 rule.

Frequently Asked Questions

QWhat is good LTV?

80% or less avoids PMI. 60% is excellent.

QCLTV?

Combined LTV includes second loan. This is first LTV.

QAppraisal low?

If appraisal $380k not $400k, LTV on $320k loan jumps to 84.2%.

Quick Answer

What it does: Calculate loan-to-value ratio from loan and value — see LTV %, down payment % and PMI need.

Formula: LTV = loan/value*100; Down % = 100-LTV; PMI if LTV>80%

Inputs: Loan amount ($) · Home value ($)

Example: With $320k loan, $400k value: LTV 80%, down 20%, no PMI.

Field

What to enter

Loan amount ($)

e.g. 320000

Home value ($)

e.g. 400000