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Loan-to-Cost Ratio Calculator

LTC = loan / total project cost (construction loans).

Compute the loan-to-cost (LTC) ratio for a construction or value-add loan from the loan amount and the total project cost (purchase + hard + soft costs). Construction lenders typically cap LTC at 80 %.

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

Inputs

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Results

Enter values and click Calculate to see results.
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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

LTC = loan / total_cost · 100

In depth

Compute the loan-to-cost (LTC) ratio for a construction or value-add loan from the loan amount and the total project cost (purchase + hard + soft costs). Construction lenders typically cap LTC at 80 %.