Loan-to-Value (LTV) Calculator
Loan-to-value is the loan amount divided by the property value. Enter both to see your LTV as a percentage. A lower LTV means more equity, which generally widens your program options and lowers the cost of the loan.
Frequently asked questions
- What is a loan-to-value ratio?
- LTV is the share of the property value that the loan covers. A $400,000 loan on a $500,000 home is an 80% LTV. On a purchase, lenders use the lower of the price and the appraised value.
- Why does LTV matter?
- Program eligibility, pricing and mortgage-insurance requirements are tiered by LTV. Conventional loans above 80% LTV generally require private mortgage insurance; investor and non-QM programs often have their own LTV caps. Rules vary by lender and program. Results are estimates for planning only, not financial advice, a credit decision, or an offer of credit. A loan officer can confirm the numbers that apply to you.
- Can LTV be over 100%?
- Yes, when the loan exceeds the value — for example after a price drop or when financing costs are rolled in. The calculator flags that case. Most programs will not lend above 100% LTV.
Want a loan officer to look at your numbers? The Loan Officer matches borrowers with loan officers for non-QM, DSCR, bank-statement and hard-money scenarios.
The Loan Officer is a loan-matching marketplace, not a lender or mortgage broker. It does not set rates, make credit decisions, or originate loans. Equal Housing Opportunity.