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LTV Calculator
Calculate loan-to-value (LTV) from price, down payment, and value.
Parcel Platform
Mar 4, 2026
LTV Calculator
Loan $280,000 • LTV 80%
LTV
80%
Loan Amount
$280,000
LTV is loan amount divided by value. Lenders use LTV to set leverage limits and pricing.
How this calculator works
LTV (Loan-to-Value) is the loan amount divided by the property value. It’s one of the most common lender constraints and a quick way to understand leverage.
What it includes
- Loan amount estimate
- LTV %
- Purchase vs appraisal value framing
How to use it
- Enter purchase price and down payment (percent or dollars).
- Optionally enter appraisal/value if different from price.
- Use LTV to understand lender limits and whether PMI may apply.
FAQ
What value should I use for LTV?
Lenders often use the lower of purchase price or appraisal value. For planning, you can test both.
What’s the difference between LTV and LTC?
LTV is based on value. LTC (loan-to-cost) is based on your total project cost (purchase + rehab).
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