Loan to Value (LTV) Calculator
Calculate your Loan-to-Value ratio to determine borrowing limits, PMI requirements, and interest rate eligibility.
LOAN-TO-VALUE RATIO
80.0%
Down payment: $100,000 (20.0%)
Understanding LTV Ratio
LTV = (Loan Amount รท Property Value) ร 100. A lower LTV means less risk for the lender, which translates to better rates and terms for you.
- LTV โค 80%: No PMI required, best rates available
- LTV 80-90%: PMI required, slightly higher rates
- LTV 90-95%: PMI required, limited lender options
- LTV > 95%: Very few lenders, highest rates