Loan-to-Value (LTV) Ratio Calculator
Calculate your LTV ratio to determine mortgage eligibility, PMI requirements, and refinancing options.
Calculation Inputs
Calculation Results
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Enter inputs on the left and click Calculate to view results.
Formula & Methodology
LTV = Loan Amount / Property Value × 100
LTV above 80% typically requires private mortgage insurance (PMI). Below 80% LTV you may be eligible to remove PMI.
Frequently Asked Questions
How do I avoid PMI?
Make a down payment of at least 20% so your LTV is 80% or below.