Loan-to-Value Calculator
Check how much of the home's value is still financed. LTV is one of the quickest ways to judge equity, refinance readiness, and whether PMI removal might be close.
Calculator
Loan-to-Value Calculator
Use a realistic estimate of what the home could sell for today.
Add every lien secured by the home so the LTV includes the full mortgage picture.
Total loan balance: $318,000.00
Example values are loaded.
Result
Your result
The combined loan-to-value ratio is about 69.89%, leaving roughly $137,000.00 in home equity.
LTV ratio
69.89%
Home equity
$137,000.00
Paydown to 80% LTV
$0.00
Balance snapshot
Next steps
Compare before you move on
Most people use one calculator to answer the first question and a related tool to pressure-test the decision.
Borrowing
Mortgage Calculator
Estimate monthly mortgage payments with principal, interest, taxes, insurance, PMI, HOA, and other recurring housing costs included.
Borrowing
Refinance Calculator
Compare current mortgage payments with a refinance scenario and estimate monthly savings, total cost, and break-even based on how closing costs are handled.
Borrowing
Home Affordability Calculator
Estimate the home price your monthly housing budget could support after down payment, taxes, insurance, HOA, optional PMI, other recurring housing costs, and estimated closing cash.
What this calculator shows
LTV tells you how much you owe relative to what the home is worth now. That single ratio often shapes refinance options, rate pricing, and private mortgage insurance decisions.
This calculator is most useful when home values have moved or you have paid down the balance enough to revisit an old mortgage decision.
How to use it
- 1. Enter the current market value of the home.
- 2. Add the outstanding balance on every mortgage, HELOC, or other lien secured by the home.
- 3. Review the combined LTV ratio and the amount needed to reach 80% LTV if you want a stronger equity position.
Formula and assumptions
LTV equals total loan balance divided by current home value.
Home equity equals current home value minus the combined loan balances.
Limits of this estimate
Loan-to-Value Calculator is a planning estimate based on the values entered here, not a quote, approval decision, tax filing, account statement, or investment recommendation.
The result assumes the entered rates, costs, income, payments, balances, or timelines stay fixed unless the page has a dedicated input for changing them.
Real outcomes can change because of fees, taxes, insurance, lender rules, account restrictions, market movement, local costs, or timing differences outside this simplified scenario.
Notes
This estimate depends heavily on the home value assumption, so the result is only as accurate as that valuation.
Source notes
Visible input model
This page calculates loan-to-value calculator results from the visible inputs: Current home value, Loan balances. No hidden account, lender, tax, or live market data is pulled into the estimate.
Page formula and assumptions
The result follows the formula and assumptions described on this page, then formats the output with Utility Row's finance calculation helpers.
Scenario comparison use
Use the output to compare assumptions before checking a real statement, lender disclosure, tax rule, or account-specific source.
Worked example
A home that has appreciated while the mortgage balance has fallen may now have a much lower LTV than it did at purchase.
This example uses the default sample inputs loaded on reset. It does not update with the live calculator entries above.
LTV ratio
69.89%
Home equity
$137,000.00
Paydown to 80% LTV
$0.00
Feedback
Found a problem on this page?
Report confusing fields, broken math, or missing assumptions with the exact inputs you used so the issue can be reproduced.
FAQ
FAQ
Why does 80% LTV matter?
It is a common threshold for stronger refinance options and for requesting PMI removal on some conventional loans.
FAQ
Should I include a HELOC or second mortgage?
Yes. If you want a true combined LTV view, include any extra lien balances secured by the home.