Loan-to-Value (LTV) Calculator

Loan-to-value compares your loan to the property's value. Under 80% usually avoids PMI and unlocks better rates.

Your details

Loan amount$Property value$

Loan-to-value

80.00%

Equity: $80,000.00
Equity %: 20.00%

Loan-to-value80.00%

Formula

LTV = loan amount ÷ property value × 100. Equity = value − loan.

Sources & methodology

•CFPB — loan-to-value — CFPB

Last updated: 2026-07-20

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