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Calculate Loan-to-Value ratio for mortgage and lending analysis
The Loan-to-Value ratio is a financial metric that compares the size of a loan to the appraised value of the property securing it. LTV = (Loan Amount ÷ Property Value) × 100. Lenders use it to assess risk — lower LTV means less risk and often better rates.
For CLTV calculation
LTV Formula
| LTV | PMI | Rates | Approval |
|---|---|---|---|
| ≤ 80% | No PMI | Best rates | Easy approval |
| 80-90% | PMI required | Good rates | Standard |
| 90-95% | PMI required | Higher rates | Stricter |
| 95-97% | PMI required | Highest rates | Limited options |
Formula
LTV = (Loan Amount ÷ Property Value) × 100LTV = Loan-to-Value ratio as a percentage
CLTV = Combined LTV = (Primary Loan + Second Loan) ÷ Property Value × 100
Equity % = 100% − LTV = your ownership stake in the property
Worked Example
$320,000 loan on a $400,000 home
Did you know? PMI automatically terminates by federal law (Homeowners Protection Act of 1998) when your LTV reaches 78% based on original purchase price — you don't need to request it at that point.
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