What LTV do lenders typically want?

It varies by loan type and lender, but 80% or below is a commonly cited threshold for mortgages — above that, many lenders require private mortgage insurance (PMI).

Loan-to-Value Calculator

Loans & Debt

Calculate your loan-to-value (LTV) ratio — the loan amount as a percentage of the asset’s value.

Display currency

Changing the display currency only changes the symbol shown — amounts aren't converted, since this tool doesn't use live exchange rates.

Loan amount

Asset value (appraised/purchase price)

Loan-to-value ratio

How this is calculated

LTV = (loan amount ÷ asset value) × 100. Lenders use this ratio to assess risk — a lower LTV means more equity/down payment relative to the loan.

Frequently asked questions

What LTV do lenders typically want?: It varies by loan type and lender, but 80% or below is a commonly cited threshold for mortgages — above that, many lenders require private mortgage insurance (PMI).

Home Loan Calculator

Calculate the monthly principal-and-interest payment and amortization schedule for a home loan.

Car Loan Calculator

Calculate your monthly car payment including trade-in value and sales tax.

Debt-to-Income Ratio Calculator

Calculate your debt-to-income (DTI) ratio and see how it compares to common lender thresholds.