Free calculator
Loan-to-Value Calculator
This loan-to-value calculator divides your loan by the property value to produce the LTV ratio, then shows the combined ratio and the equity that remains.
The lowest rates are only available to the most qualified applicants.
Advertising disclosure: Loancalculated may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. Read the full disclosure.
Enter your numbers and press Calculate. Nothing you type leaves your browser.
The lowest rates are only available to the most qualified applicants.
Advertising disclosure: Loancalculated may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. Read the full disclosure.
How this calculator works
Loan-to-value (LTV) compares a loan with the value of the property securing it. A lower LTV means more equity and usually less risk for the lender.
LTV = first loan ÷ property value × 100.
Combined LTV (CLTV) = (first loan + other liens) ÷ property value × 100.
- First loan — the mortgage or loan being measured
- Other liens — any second mortgage, HELOC balance, or other claim
- Property value — the value you enter
Equity = property value − first loan − other liens. If the value is 0, LTV has no meaning, so the tool asks for a value instead of returning a bogus ratio.
Lenders set their own LTV limits by program, so check the requirement that applies to you.