Loan-to-Value (LTV) Calculator

Calculate your loan-to-value ratio instantly for mortgages and refinancing

Result

Loan-to-Value Ratio: 80%
Loan Amount: $243,000
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Understanding Loan-to-Value (LTV) Ratio

The loan-to-value (LTV) ratio is a crucial metric used by lenders to assess mortgage risk. A lower LTV ratio typically results in better loan terms and lower interest rates. Here's what you need to know:

Common LTV Thresholds

  • ✓ 80% or less: Ideal for conventional loans, no PMI required
  • ✓ 85-95%: Common for FHA loans, requires mortgage insurance
  • ✓ 97%: Maximum for some conventional loan programs

How to Lower Your LTV

  • 📈 Make a larger down payment
  • 📉 Choose a less expensive property
  • 💰 Pay down your existing mortgage