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LTV Calculator

Loan-to-value ratio for a mortgage.

Compute the loan-to-value (LTV) ratio of a mortgage from the loan amount and the property's appraised value — used to decide whether you need PMI.

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

LTV = (Loan / Property value) × 100. Most lenders require PMI above 80% LTV.

In depth

Compute the loan-to-value (LTV) ratio of a mortgage from the loan amount and the property's appraised value — used to decide whether you need PMI.