Calculate LTV

Loan-to-value ratio = loan balance ÷ property value × 100.

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Loan balance

Property value

Answer

…

Loan-to-value ratio = loan balance ÷ property value × 100.

More results

Precision and calculation record

Decimal places in numeric results and text downloads

Rounding changes displayed numbers, not the calculation. Text, fractions, matrices and CSV schedules keep their own formatting. Automatic keeps up to 12 significant digits, with money shown to cents where applicable.

Step-by-step calculation

Inputs are substituted below. Each line evaluates the next operation; intermediate values are displayed to 12 significant digits while the calculation uses full precision.

Saved scenario

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Formula and assumptions

Use the valuation basis required for your purpose. This ratio alone does not determine lending approval or mortgage insurance.

Automatic precision shows numbers to 12 significant digits. Thousands separators such as 1,000 are accepted; use a dot for decimals.

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Updated 2026-09-26

Using Calculate LTV

Loan-to-value ratio = loan balance ÷ property value × 100.

Use the valuation basis required for your purpose. This ratio alone does not determine lending approval or mortgage insurance.

Next: Calculate DTI

A worked example

With loan balance = 240000, property value = 300000, the loan-to-value ratio (%) is 80.

Next: Down payment calculator

Before you use the result

Use the valuation basis required for your purpose. This ratio alone does not determine lending approval or mortgage insurance.

Example results for loan balance

These examples use Property value: 300000. They are reference calculations, not recommended settings.

Loan balance	Loan-to-value ratio (%)
120000	40
240000	80
480000	160

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ToolOctopus. “Calculate LTV.” Updated 2026-09-26. https://tooloctopus.com/ltv-calculator.

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