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Mortgage LTV Ratio and Equity Calculator

LTV = loan / value × 100; equity = value − loan.

Calculates loan-to-value (LTV) ratio and home equity from property value and outstanding mortgage balance. LTV above 80% typically requires PMI.

Priya Venkatesan By Priya Venkatesan
Published Last reviewed 1 min read

Inputs

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; Equity = value − loan

In depth

Calculates loan-to-value (LTV) ratio and home equity from property value and outstanding mortgage balance. LTV above 80% typically requires PMI.