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Loan-to-Value (LTV) Calculator
Calculate your loan-to-value ratio to understand how much equity you have in your home and how it affects your mortgage terms, interest rates, and PMI requirements.
Why LTV Matters:
- • Lower LTV = Better rates: LTV below 80% typically gets best rates
- • PMI requirement: LTV above 80% usually requires private mortgage insurance
- • Refinancing: Lower LTV makes refinancing easier and cheaper
- • Home equity: Lower LTV means more equity in your home
Property Details
LTV Analysis
80.00%
LTV Ratio
80.00%
CLTV Ratio
$80,000
Home Equity
20.00%
Equity Percentage
LTV Ratio Guidelines
Excellent (≤80%)
- • Best interest rates
- • No PMI required
- • Easy refinancing
Good (80-90%)
- • Good rates available
- • PMI likely required
- • Some restrictions
Higher Risk (>90%)
- • Higher rates
- • PMI required
- • Limited options