LTV Calculator: Loan-to-Value Ratio

Your details

Choose which value to solve for.
The appraised or purchase price of the property.
The principal balance of the first mortgage.
Include a second mortgage, home equity loan, or HELOC balance to compute Combined LTV (CLTV).
Changes the maximum LTV limit and PMI/MIP rules shown in the result.
Currency
LTV RatioGood LTV
80%

Loan amount divided by property value

Combined LTV (CLTV)0.8%
Home equity$80,000
Equity percentage0.2%
Down payment percentage0.2%
PMI / MIP statusPMI not required (LTV at or below 80%)
Extra down payment to avoid PMI$0
Loan type LTV assessmentWithin the CONVENTIONAL maximum LTV of 97%
80% %
Excellent (below 60%)<60%Good (60-80%)60%-80%Moderate (80-90%)80%-90%High (90-97%)90%-97%Exceeds limit97%+

Your LTV is 80.00% - good for a conventional loan.

  • Your LTV is at or below 80%, the threshold most lenders prefer for conventional loans. PMI is not required.
  • You have approximately $80,000 in home equity, which can be accessed through a home equity loan or HELOC.

Next stepReview your lender's rate tiers - even small LTV improvements (e.g., from 85% to 84%) can shift you into a better pricing band.

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