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-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
Also on your phone
Numveo for Android
200+ financial calculators — mortgage, loans, taxes, retirement. Fast, private, and fully offline.
Learn more
Home Equity Loan vs HELOC: Which One FitsHome equity loan vs HELOC explained: fixed lump sum vs revolving line, fixed vs variable rate, and which one fits your project.How PMI Works and How to Avoid ItPMI explained: when private mortgage insurance is required, typical rates, how it is calculated, and how to remove or avoid it.Understanding Your Mortgage Payment (PITI)PITI explained: principal, interest, taxes, and insurance. Learn what makes up a monthly mortgage payment and why the rate is only part of it.What Is Loan-to-Value (LTV) and Why It MattersLoan-to-value explained: how LTV is calculated, the 80% threshold that avoids PMI, and how a lower LTV earns better mortgage rates.
Embed this calculator⌄
Paste this into your page — it works with no key and computes in the visitor's browser. The short credit line links back to Numveo; please keep it.
<iframe src="https://numveo.com/embed/loan-to-value-calculator" width="100%" height="640" style="border:0" loading="lazy" title="Loan-to-Value (LTV) Calculator"></iframe>
<p style="font:13px/1.5 system-ui,sans-serif;color:#52514e;margin:6px 0"><a href="https://numveo.com/mortgage/loan-to-value-calculator" target="_blank" rel="noopener">Loan-to-Value (LTV) Calculator</a> by <a href="https://numveo.com" target="_blank" rel="noopener">Numveo</a></p>