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Loan-to-Value Calculator

Know your leverage at a glance. Enter loan amount and property value, we'll show LTV, equity percentage, and equity dollars with a risk rating.

Loan-to-Value

76.19%

↓ High

Loan amount
USD
Property appraised value
USD

Use the lender's appraisal, not your purchase price.

Equity %
23.81%
Equity (USD)
$125,000
Loan amount
$400,000
Property value
$525,000
How this is calculated

LTV (%) = (Loan amount ÷ Property value) × 100

Lower LTV = more skin in the game = lower lender risk = better pricing. The 80%, 75%, 65% LTV tiers are common pricing breakpoints.

Run multiple LTV scenarios with our debt team

We'll show how dropping one tier changes your rate, your payment, and your total interest paid over the life of the loan. Free 30-minute call.

Send my numbers to the team
FAQ

Common questions

What's the maximum LTV most lenders allow?

For owner-occupied conventional loans in the U.S., 80% LTV is standard before PMI kicks in (and FHA can go up to 96.5%). For commercial and investment property, 65%–75% is typical, depending on asset class, market, and DSCR.

Why does LTV matter beyond approval?

LTV drives your interest rate. The same borrower can save 25–75 bps just by dropping below the 80% or 75% LTV tier. It also dictates whether you need PMI, mortgage insurance, or a co-borrower.

How is LTV different from CLTV?

LTV is one loan against the property. CLTV (combined LTV) adds a second mortgage, HELOC, or piggyback loan into the numerator. Lenders care about CLTV when underwriting a refi or new origination on a property that already has junior debt.

Can I lower my LTV after closing?

Yes, by paying down principal, riding appreciation, or doing a forced-appreciation rehab. Once you cross below 80% LTV on conventional loans, you can request PMI removal. Many investors aggressively pay down to 75% or 65% LTV to unlock better refi pricing.
Need help interpreting your numbers?

Ready to optimize leverage with our debt-advisory team?

The right LTV unlocks the right rate. We'll model scenarios across multiple lenders so you don't leave basis points on the table.