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Loan-to-Value Calculator

Estimate loan-to-value ratio using home value, loan amount, and an optional second loan balance.

Updated April 11, 2026
Free online tool
Planning and research use

Why this page exists

Loan-to-value ratio is one of the quickest ways to compare what is still borrowed against what a home is worth. This calculator helps buyers, owners, and refinance shoppers estimate total loan balance, LTV percentage, and the amount of value still sitting above the debt.

Interactive tool

Run the estimate

Enter your numbers and read the result first, then use the sections below to understand what affects the outcome.

Calculator

Loan-to-value calculator

Estimate loan-to-value ratio from home value, loan amount, and any second loan balance.

Result

70.0% LTV

Estimated loan-to-value ratio based on total loan balance divided by home value. Lower LTV range.

Loan-to-value ratio70.0%

Total loan balance$315,000

Home value$450,000

Equity buffer$135,000

No second loan balance is included here, so the LTV estimate uses the primary loan amount only.
Many buyers and refinance shoppers aim for 80% LTV or lower because it often leaves more equity cushion.
At the value entered, there is about $135,000 between the property value and the total loan balance.

This is a planning estimate only. Appraised value, payoff balances, and lender rules can change the real LTV result.

Planning note

Last updated April 11, 2026. Use this tool to compare scenarios and plan ahead, then confirm important details with the lender, employer, insurer, contractor, or other qualified provider involved in the final decision.

How it works

What the calculator is doing

Enter the home's value and the primary loan amount you want to compare against it.

Add a second loan balance if a HELOC or second mortgage should count toward the total debt on the property.

The calculator divides total loan balance by home value to estimate the loan-to-value ratio and show a simple interpretation.

Understanding your result

LTV works best as a planning number when the property value and loan balances are both reasonably current. The ratio helps explain how much equity cushion is left and why similar homes can feel very different to finance depending on the debt already attached to them.

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Examples

Ways people use this tool

Example scenarios help turn a quick estimate into a more useful comparison or planning step.

Check a refinance starting point

Estimate LTV before talking with a lender so you know roughly how much of the home's value is still tied up in debt.

Include a second loan

Add a HELOC or second mortgage if you want the LTV estimate to reflect the full amount borrowed against the property.

Compare value changes

Run the numbers with a higher and lower home value estimate to see how sensitive the LTV result is to market assumptions.

FAQ

Common questions

What does loan-to-value ratio measure?

It compares total loan balance against the home's value so you can see how much of the property is still financed.

Should I include a second mortgage or HELOC?

Yes. If another loan is secured by the home, including it gives a more complete LTV estimate.

Why does home value matter so much?

LTV changes whenever value changes, so an older estimate can make the ratio look better or worse than it is today.

Related tools

Keep comparing

Use these related tools to compare nearby scenarios, check a second estimate, or keep narrowing down the right decision.

Home ToolsUpdated April 11, 2026