Calculate loan-to-value (ltv) for real estate investments and properties
Enter the loan amount and the property value. The calculator divides the loan amount by the property value and multiplies by 100 to show the LTV ratio as a percentage.
A $320,000 loan on a $400,000 property results in an 80% LTV ratio ($320,000 ÷ $400,000 × 100). Most lenders require LTV below 80% to avoid PMI.
Below 80% LTV typically avoids PMI and gets best rates. Lower LTV means more equity cushion and lower risk for lender and borrower.
Make larger down payment, pay down principal, or wait for property appreciation. Refinancing when value increases can lower LTV.
Includes all liens (first mortgage + second mortgage + HELOC). Lenders consider CLTV when evaluating total leverage and risk.