Mortgage Loan To Value Calculator

Quickly calculate the equity availabie in your home using our mortgage loan to value calculator.  You can use this loan-to-value calculator on your first mortgage.

Loan Amount
Value/MSRP

Loan To Value: %


On This Page

  • Mortgage Loan To Value Use
  • Mortgage Loan To Value Formula

Mortgage Loan To Value Use

The mortgage loan to value formula is typically used by mortgage loan officers and/or underwriters as part of the evaluation of an applicant’s mortgage application.  Most institutions have loan to value guidelines to determine if the applicant will qualify for the mortgage requested.  In many cases the loan to value number is used to determine if the applicant will have ot carry private mortgage insurance as LTVs of over 80% will require the insurance.

Mortgage Loan To Value Formula

The mortgage loan to value formula is quite simple and is a basic ratio:

LTV = Loan Amount / Value of Collateral