Loan To Value Calculator
Calculate the loan-to-value (LTV) ratio for a mortgage or loan. Enter the loan amount and property value to find the LTV percentage.
Published by:
isCalculator Editorial Team
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How to use this tool?
This calculator computes the Loan-to-Value (LTV) ratio as a percentage.
- Enter Loan Amount – Type the total loan amount in dollars (e.g., 200000).
- Enter Property Value – Type the current property value in dollars (e.g., 250000).
- Click “Calculate LTV” or press Enter in any field.
- Read the result – The LTV percentage appears. If it exceeds 100%, it’s highlighted in red.
Formula: LTV = (Loan Amount ÷ Property Value) × 100%
Note: Both values must be positive numbers. Property value cannot be zero.
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Frequently Asked Questions
Loan to Value (LTV) is a ratio that compares the loan amount to the appraised value of the property. It is expressed as a percentage and is used by lenders to assess risk.
LTV is calculated by dividing the loan amount by the property value and multiplying by 100. For example, a $200,000 loan on a $250,000 property gives an LTV of 80%.
LTV helps lenders determine the risk of a loan. A higher LTV indicates more risk, which may require private mortgage insurance (PMI) or result in higher interest rates.
