Decision instrument

Loan-to-Value Calculator

Calculate LTV and simple equity from entered property value and loan balance.

Your inputs

Adjust the fields and review the result in this workbench.

Use the loan balance and property value relevant to the decision. The tool does not estimate a home value, appraisal, PMI, eligibility, or lender program limit.

Interpretation

How Loan-to-Value works

Loan-to-value divides the total loan balance by the current property value you enter. It also shows simple equity before transaction costs.

Example

Key features

A realistic example to show how this tool can support an actual decision.

Formula

LTV = total loan balance ÷ current property value × 100.

  • Calculate LTV from entered property value and loan balance
  • See simple equity before selling costs
  • Flag values above 100% for review
  • Clear exclusions for appraisals, lender rules, and PMI

Avoid mistakes

Common mistakes

A few things that can lead to misleading results or poor decisions.

Use the value and balance a lender will actually review. Program limits, appraisals, liens, closing costs, and PMI rules can differ from this simple ratio.