Example 1
- Loan: 240,000
- Value: 300,000
LTV 80%
Equity 60,000
A 20% down payment - usually lower risk for the lender.
LTV calculator
Type the loan amount and the property value. The calculator computes LTV, loan to value, the loan divided by the property value. 240,000 on 300,000 is 80% with 60,000 equity. 306,000 on 360,000 is 85%.
LTV = loan ÷ value. Start from a known loan. From a down-payment percent: down payment. Payment: mortgage. A sketch, not an offer gate.
Result
Loan amount, Property value and Scenario B - alternate loan amount (optional). The result shows up here.
How results are calculated
LTV, loan to value, the loan divided by the property value, is Loan amount over Property value. 240,000 / 300,000 = 80%, equity 60,000. 306,000 / 360,000 = 85%, equity 54,000. 220,000 / 200,000 = 110%: the loan is larger than the value, so equity goes negative. Scenario B, an alternate loan of 180,000 on the same 200,000 value, drops to 90% and shows a negative LTV change.
People open this calculator when they already know the loan, not a down-payment slider. A 20% down payment on 400,000 is 80,000 and 80% LTV, but that lives on the down payment page. Here you start from 240,000 and 300,000. Payment and housing cost at 80% LTV from a 500,000 price live on the mortgage page: about 2,528 and 3,478 with tax. This calculator stays with the ratio.
The fields are Loan amount and Property value. Scenario B is optional and takes a different loan at the same value. Bands on the page, through 80, 80-90, and above 90, are orientation. An offer may cut at 80 or 90 for another reason than this slider. Header currency only labels the amounts. A comma and a period in 240000.5 mean the same number.
DTI, debt to income, is a different scale: 1,200 / 6,000 = 20% on the DTI page. Borrowing capacity inverts a 40% cap into about 240,528. Do not mix 80% LTV with 20% DTI. The calculator waits for a positive value and a non-negative loan. Typed 0 loan gives 0% LTV and equity equal to the value.
110% is not a credit decision and not an automatic refusal. It is a ratio from two numbers. An offer’s appraisal may differ from the 200,000 you type. This is a sketch, not a gate.
Type 240,000 and 300,000, click Calculate, and check 80% and 60,000. Then try 220,000 and 200,000 plus B 180,000 to see 110% and 90%.
How to use
- Type Loan amount, for example 240,000, and Property value, for example 300,000.
- Optionally set Scenario B, an alternate loan amount, for example 180,000 at the same value.
- Click Calculate. 240,000 / 300,000 = 80% LTV and 60,000 equity.
- Check 306,000 / 360,000 = 85% and 220,000 / 200,000 = 110%. B at 180,000 is 90%.
- A down-payment percent lives on the down payment page. A payment at 80% LTV lives on the mortgage page.
LTV, loan, and equity in this calculator
LTV = loan ÷ property value. 240,000 on 300,000 is 80% with 60,000 equity. 306,000 on 360,000 is 85%.
- LTV
- Loan to value: loan / value. 240,000 / 300,000 = 80%. 220,000 on 200,000 is 110%. No APR in this calculator.
- equity
- Value minus loan. At 300,000 and a 240,000 loan, equity is 60,000, a 20% equity share.
- Property value
- The LTV denominator. The same 360,000 with a 306,000 loan is 85% LTV and 54,000 equity.
Usage examples
Example 2
- Loan: 306,000
- Value: 360,000
LTV 85%
Equity 54,000
Possible extra requirements (e.g. low-deposit insurance).
Example 3
- Loan: 220,000
- Value: 200,000
- B: loan 180,000
LTV 110% → lower B
Negative Δ LTV
Negative equity in A; B shows how a smaller loan cuts LTV.
LTV vs down payment - two views of the same picture
- Use Loan-to-value when you know the loan amount and the property/collateral value - you then calculate what share of the value the lender finances.
- Use Down-payment % when you start from your own contribution (e.g. 20% of the price or a specific amount) and want to see the resulting loan and LTV.
- LTV shows the ratio of loan to value, but says nothing about your income or creditworthiness.
Both calculators describe the same situation from two sides: down payment from your capital side, LTV from the lender’s share in the financing.
Related calculators
FAQ
What LTV at a 240,000 loan and a 300,000 value?
80%. Equity 60,000. LTV is loan to value, the loan divided by the property value.
What is 306,000 / 360,000?
85%. Equity 54,000. Higher LTV means less of your own capital at the same price.
What does 110% mean at 220,000 and 200,000?
The loan exceeds the value by 20,000. Equity is negative. Scenario B 180,000 on 200,000 drops to 90%.
Is 80% an offer gate?
No. Bands through 80, 80-90, and above 90 are orientation. An offer may cut at another line. A ratio sketch.
Where do I compute a 20% down payment on 400,000?
On the down payment page: 80,000 down, loan 320,000, LTV 80%. Here you start from a known loan.
How is LTV different from DTI?
LTV is loan over value. DTI, debt to income, is payments over income. 20% DTI from 1,200 / 6,000 is not 80% LTV.
Does 80% LTV give a 2,528 payment?
Not in this calculator. At a 500,000 price, 100,000 down, 6.5%, and 30 years, about 2,528 lives on the mortgage page.
Does a comma in the amount work?
Yes. 240000,5 and 240000.5 are the same amount. Header currency only labels the result.
What about a 0 loan?
LTV 0%, equity equal to the value. The calculator accepts a typed zero. A blank field does not compute.
Is 80% a credit decision?
No. It is a ratio from two numbers. Appraisal and an offer cutoff are computed elsewhere.
Knowledge sources
LTV is loan over value from your amounts. This is a sketch, not an offer gate.
Page updated in 2026.