Calculators / LTV Calculator
Loan-to-Value (LTV) Calculator
Find your loan-to-value ratio in seconds. See your equity and plan your down payment, refinance or home equity loan, then get pre-approved in one day.
$400,000 HOME · $300,000 OWED75%
Loan-to-value
NEXT STEP
Yes. Is Closer Than You Think.
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Know How Much Equity You Hold
Your ratio shows lenders how much of your home's value you are borrowing. The cards below use the $400,000 example further down this page.
LOAN-TO-VALUE (LTV)75%
Your loan balance divided by your home's value.
Combined LTV (CLTV)
75%All loans on the home, including a second mortgage or HELOC, divided by its value.
Home equity
$100,000Your home's value minus what you owe.
Equity above 80%
$20,000The value sitting above an 80% line, a common benchmark for pricing and mortgage insurance.
How We Calculate Your LTV
We divide what you owe by what your home is worth. The result shows as a percentage.
THE FORMULALTV = Loan balance ÷ Home value × 100CLTV = (First mortgage + Home equity line + Other liens) ÷ Home value × 100
CLTV is also called cumulative LTV. It counts every loan secured by the home.
01
Current Appraised Value
Your purchase price, appraised value or a current estimate.
02
First Mortgage Balance
What you owe on your main mortgage.
03
Home Equity Line Balance
What you owe on a HELOC or home equity loan.
04
Other Liens
Any other loan or lien secured by the property.
See Your LTV in Numbers
Own a $400,000 home with a $300,000 mortgage balance? Load it and see your equity.
| Item | Example |
|---|---|
| Home value | $400,000 |
| Mortgage balance | $300,000 |
| LTV | 75% |
| Equity | $100,000 |
| Equity above the 80% line | $20,000 |
What Changes Your LTV
Home Value
Rising values lower your LTV with no payment from you.
Mortgage Balance
Every principal payment lowers your ratio.
Down Payment
A bigger down payment starts you at a lower LTV.
Other Liens
A HELOC or second mortgage raises your combined ratio.
Appraisal
The appraised value sets your official LTV.
The questions buyers ask most
Straight answers to what buyers search before they talk to a lender.
LTV=75%of value
LTV VS EQUITY
How Is LTV Different From Equity?
Equity is a dollar figure. LTV is a percentage. At 75% LTV on a $400,000 home, you hold $100,000 in equity.
- Home value: $400,000
- Mortgage balance: $300,000
- LTV: 75% of the home's value
- Equity: $100,000
STARTING LTV
How Does My Down Payment Change My LTV?
Every extra dollar down lowers your starting LTV. At 20% down your LTV starts at 80%. At 3% down it starts at 97%. We'll show you how each level affects your rate and mortgage insurance.
| Down payment | Starting LTV |
|---|---|
| 3% | 97% |
| 5% | 95% |
| 10% | 90% |
| 20% | 80% |
BORROWING
Does LTV Decide What I Can Borrow?
It is one factor. Lenders also review credit, income, debts and the property. Program limits vary. We'll confirm yours.
LTVOne factor
Program limits vary
ALSO REVIEWEDYour file
Credit, income, debts and the property
How Your Down Payment Sets Your Starting LTV
A $400,000 home at five down payment levels.
| Down payment | Cash down | Starting loan | LTV | Equity on day one |
|---|---|---|---|---|
| 3% | $12,000 | $388,000 | 97% | $12,000 |
| 5% | $20,000 | $380,000 | 95% | $20,000 |
| 10% | $40,000 | $360,000 | 90% | $40,000 |
| 20%80% LTV | $80,000 | $320,000 | 80% | $80,000 |
| 25% | $100,000 | $300,000 | 75% | $100,000 |
Examples are for illustration and do not determine eligibility. LTV limits vary by loan program and lender.
LTV Calculator FAQs
Quick answers to the questions homeowners ask most about loan-to-value.
Have a question? Ask us.
Our loan officers will walk you through your numbers, no pressure and no obligation.
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What is a good LTV?
Lower is better. At 80% or below, many borrowers get better pricing and avoid private mortgage insurance on conventional loans.
How do I lower my LTV?
Pay down your balance, put more down on a purchase or let your home’s value rise.
What is the difference between LTV and CLTV?
LTV counts your first mortgage. CLTV adds any second mortgage or HELOC. Lenders use CLTV for home equity borrowing.
How much equity can I borrow against?
It depends on your program and lender. We’ll confirm what you can access.
Does the value I enter have to be exact?
Use a recent estimate to plan. The appraisal sets the figure a lender uses.
Is a calculator the same as pre-approval?
A calculator gives an estimate. Pre-approval checks your income, credit and assets. We can pre-approve you in one day.
Keep Planning Your Equity
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Run the Numbers.
Find Your Yes.
Estimate payments, see your costs and compare your options with every Austin Capital Mortgage calculator.
Loan amount$380,000
5% down30 yr
Rate (example)6.5%
$3,202/mo
P&I $2,402Taxes $600
This calculator provides estimates for informational purposes only. It is not a loan offer, pre-approval or commitment to lend. Actual rates, payments, mortgage insurance and eligibility depend on credit, income, property and program guidelines. Equal Housing Lender.
LTV does not determine whether you can borrow.
Equal Housing Opportunity · Austin Capital Mortgage, a brand of Aspire Home Loans, LLC, NMLS #1955132. The Earned Equity Program is offered through a correspondent relationship with Arrive Home™ LLC.
For informational purposes only; not a commitment to lend, an offer of credit, or legal or tax advice. A buyer does not hold title to the home at origination; title transfers upon payoff or refinance.
Qualification is subject to underwriting approval; program terms and availability are subject to change. Not available in Alaska or New York.
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