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Loan-to-value (LTV) calculator
See your LTV and the down payment behind it. Loan-to-value is the loan divided by the property value; enter both for the ratio plus the implied down payment in dollars and percent.
The short answer
Last updated: July 2026
Loan-to-value (LTV) is the loan amount divided by the property value, shown as a percentage. It tells a lender how much equity cushions the loan. A $240,000 loan on a $300,000 property is 80% LTV, leaving a $60,000 (20%) down payment. Lenders cap LTV by program and property type. This estimate uses your inputs.
After the estimate:
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Your LTV and the down payment behind it.
Loan-to-value is the loan amount divided by the property value. Enter both to estimate LTV, plus the down payment it implies in dollars and percent.
Loan amount
$
Property value or price
$
Lenders typically use the lower of the purchase price or the appraised value.
Input-driven result
Your inputs
Formula
Result below
Loan-to-value (LTV)
80.0%
Loan $240,000 ÷ value $300,000.
Down payment
$60,000
20.0% of value — the equity between the loan and the price.
Value funded by loan and equity
Loan amount
$240,000
Implied equity
$60,000
Property value
$300,000
Estimate based on your inputs. Not a promise of results.
Estimate only. Lenders set their own maximum LTV by loan program and property type, and mortgage insurance often applies above a certain threshold. This is arithmetic on your numbers, not a lending decision.
How it works
How this tool works.
Loan-to-value is one of the first numbers a lender looks at. It measures the loan against the property’s value, so a lower LTV means more of your own equity is at stake and less risk for the lender. It also drives whether mortgage insurance applies and, often, the rate you’re offered.
Enter the loan amount and the property value, and this calculator estimates LTV along with the down payment it implies in dollars and percent. It’s arithmetic on your inputs, not a lending decision.
Make the result useful
Loan-to-value context
Loan balance is the principal used in the ratio.
Property value can be purchase price, appraisal, or another stated value basis.
LTV changes when either balance or value changes.
A lender may use a different value, program limit, or adjustment.
Calculation lens
LTV = loan balance ÷ property value
Use the output as a documented scenario result, not a guarantee.
It does not determine approval, appraisal, or mortgage insurance requirements.
Questions landlords ask
Questions about this tool and its limits.
Built by a landlord who's done every one of these jobs by hand.
Aptoria was built by an owner-operator managing a Brooklyn portfolio — the 11pm calls, the awkward rent texts, the April receipt-pile — not by a software team guessing at the problem.
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