Loan-to-Value Ratio Calculator

Quickly calculate loan-to-value (LTV) and optional combined loan-to-value (CLTV) ratios based on property value and mortgage balances.

Enter property and loan details

Estimated property value

Use your best estimate, appraisal, or current market value.

First mortgage balance

Second mortgage / HELOC balance (optional)

If provided, the tool will also compute a combined loan-to-value (CLTV) ratio.

Enter property value and at least your first mortgage balance, then tap “Calculate LTV” to see your loan-to-value ratio and optional combined LTV.

Definitions: LTV = (First Mortgage Balance ÷ Property Value) × 100. CLTV = (Total of All Mortgage Balances ÷ Property Value) × 100. These are estimates only and do not replace an official lender calculation.

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