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🏦 Loan-to-Value (LTV) Calculator
Loan-to-Value (LTV) is loan amount divided by appraised property value. Below 80% LTV avoids PMI on conventional mortgages. Cash-out refis are usually capped at 80% LTV. High LTV means more risk to lender, so worse rates.
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Examples
20% down
Input
Home $500k, loan $400kOutput
LTV 80% — no PMI requiredLow down
Input
Home $500k, loan $475kOutput
LTV 95% — PMI ~$200/moFrequently asked questions
How to get below 80%?
Save more down, buy cheaper home, or wait for appreciation. Many lenders drop PMI automatically at 78% LTV.
CLTV?
Combined LTV — adds HELOC or second mortgage. Usually capped at 85-90%.
About this calculator
Loan-to-Value (LTV) Calculator runs entirely in your browser using standard formulas. No data is sent to any server. We don't share your inputs with lenders, brokers, or anyone else — there's no funnel and no follow-up email.
Related tools
- 🏠 Mortgage Calculator — Monthly mortgage payment with amortization breakdown. Principal, interest, taxes, insurance.
- ⚖️ Debt-to-Income (DTI) Calculator — Calculate your DTI ratio. Lenders use it to approve mortgages and refinances.
- 🏠 Down Payment Calculator — How much down payment do you need? Scenarios from 3% to 20%.
Why this calculator
vs typical free finance-calculator sites
| RichCalcs | Typical free site | |
|---|---|---|
| Price | Free | Free |
| Signup required | No | Often (for full results) |
| Ads inside the calculator | No | Yes (banner + sidebar) |
| Lead capture (email / phone) | No | Yes — sold to lenders |
| Data sent to server | No (browser-only) | Yes (analytics + tracking) |
| Amortization schedule | Full table | Often summary only |
| Bookmarkable URL per calc | Yes | Mixed |
| Loads in under 1s | Yes (static) | Often slow (ad tracking) |
| Open source | Yes | No |