The Loan to Value (LTV) ratio is a critical metric used by lenders to assess the risk of a mortgage. This calculator helps you determine your LTV by comparing your loan amount to the property's appraised value, helping you identify if you'll need Private Mortgage Insurance (PMI).
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Calculate Your Loan to Value Ratio
Calculate your LTV ratio to understand mortgage requirements and PMI thresholds. Accurate real estate tools by FusioFiles. Fast, free, and private.
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About Calculate Your Loan to Value Ratio
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1
Loan Amount
Enter the total amount of money you are borrowing for the mortgage.
2
Property Value
Input the appraised value or purchase price of the home.
3
Review Results
Verify the output looks correct before using or downloading it.
4
Save Your Output
Click the download or copy button to export your results to your device or clipboard.
Key Features
PMI Thresholds
Instantly see if your LTV is above the 80% threshold for PMI.
Risk Assessment
Understand how lenders view your loan's risk level based on your equity.
Equity Tracking
Calculate exactly how much equity you have in your property.
Frequently Asked Questions
An LTV of 80% or lower is generally considered good and typically eliminates the need for PMI.
You can lower your LTV by making a larger down payment or by choosing a less expensive property.
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