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.
Loan-to-Value (LTV) Calculator
Calculate loan-to-value and combined LTV from property value and loan amounts, plus equity and the equity percent that determines PMI.
Loan-to-value
LTV & equity
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About Loan-to-Value (LTV) Calculator
Features
- 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.
How to Use
- Value: Current market value.
- Loans: Primary balance and any second loan.
- Threshold: Equity percent needed to drop PMI (often 20).
- Read: LTV, CLTV, equity.
- Export.
Examples
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.
Benefits
- 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.
Frequently Asked Questions
What is LTV?
The loan amount divided by the property value, expressed as a percent. Lower is safer for the lender.
What is CLTV?
Combined LTV adds any second loan (HELOC, piggyback) to the primary before dividing by value.
Why does 80% matter?
At 80% LTV (20% equity) PMI typically drops — a key threshold for buyers.
How is equity found?
Property value minus all loans; equity percent is that divided by value.
Does value mean purchase price?
Use current market value for an accurate LTV, not the price you paid.
Why do lenders cap LTV?
Higher LTV means more risk, so lenders limit how much they will lend and may charge more.
Is my data stored?
No. All calculation runs in your browser; nothing is uploaded, saved or logged.