Enter a loan amount and property value to calculate loan-to-value, or a target LTV to calculate the maximum loan a property supports.

How to Use the LTV Calculator

Choose Calculate LTV to find the ratio from a loan amount and property value, or Calculate Max Loan to work backward from a target LTV to the largest loan a given property value supports.

Loan-to-value is one of the first numbers a lender checks on a mortgage or refinance application — how much is being borrowed against how much the property is worth.

LTV = loan amount ÷ property value × 100

An 80% LTV means the loan covers four-fifths of the property's value, with the remaining fifth coming from a down payment or existing equity. Lower LTV generally signals less lender risk, which is why it shows up so often in underwriting guidelines and rate tiers.

Working Backward From a Target

Max loan = property value × target LTV ÷ 100
Required down payment = property value − max loan

Flip the question around and the same relationship gives you the largest loan a property supports at a given LTV ceiling — useful for figuring out, before ever talking to a lender, roughly how much down payment a specific LTV target requires.

This calculator doesn't apply any lender's specific LTV limits or mortgage-insurance thresholds — those vary by loan type and lender. It just does the ratio math; check your loan program's actual requirements separately.