LTV (Loan-to-Value) Calculator
LTV is the first mortgage balance divided by property value. CLTV includes a second lien.
LTV
0%
CLTV
0%
Property value
₹ 0.00
First mortgage
₹ 0.00
Second / HELOC
₹ 0.00
Other liens
₹ 0.00
Total liens
₹ 0.00
Estimated equity
₹ 0.00
How to Use This Calculator
- Enter the current appraised or estimated property value and first mortgage balance.
- Enter second-lien and other lien balances (use $0 if none apply) to calculate combined LTV (CLTV).
- Click Calculate to see LTV and CLTV, plus charts for value breakdown and ratio comparison.
Frequently Asked Questions
Is LTV based on purchase price or appraisal?
Enter the value you want to measure against—often current appraised value for refinances or contract price for purchases.
Why is CLTV higher than LTV?
CLTV adds the second lien to the first and divides by the same property value.
Does this include PMI rules?
No. It only computes ratios; mortgage insurance thresholds depend on the loan program.
