Loan-to-Value (LTV) Calculator

The Loan-to-Value (LTV) Calculator turns your property value and loan balances into the ratios lenders watch: LTV, combined LTV (with a second loan), your equity in dollars and percent, and whether you have cleared the threshold that removes PMI.

• LTV: Primary loan ÷ value.
• CLTV: Includes a second loan.
• Equity: Dollars and percent owned.
• PMI flag: Shows if you cleared the equity threshold.
• Export: CSV, JSON or plain text.

1. Value: Current market value.
2. Loans: Primary balance and any second loan.
3. Threshold: Equity percent needed to drop PMI (often 20).
4. Read: LTV, CLTV, equity.
5. Export.

Example 1 — 80% LTV. $500k value, $400k loan: at the 20% line, PMI can go.

Example 2 — High LTV. $450k loan on $500k: 90% LTV, PMI expected.

Example 3 — With HELOC. Add a $50k second; CLTV jumps to 90%.

Example 4 — Strong equity. $200k loan on $500k: 60% LTV, lots of cushion.

Example 5 — Refi check. Know your LTV before applying to refinance.

• Know your standing: LTV drives rate and PMI.
• Plan PMI exit: See exactly when it drops.
• Refi ready: Lenders cap LTV; check yours first.
• Private: No account, no upload, nothing stored.