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Расчет коэффициента долга к стоимости (LTV)

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LTV Summary

Lender Tier Reference (Max LTV by Program)

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Расчет коэффициента долга к стоимости (LTV)

This calculator measures how much of a property’s value is financed by debt. Enter the property value and your mortgage balance to see the LTV ratio, your home equity, whether private mortgage insurance (PMI) is required, and how your LTV compares to the limits set by Conventional, FHA, VA, USDA, Jumbo, and HELOC programs.

Как использовать

Введите Property Value (purchase price or current appraisal) and pick a currency.
Введите First Mortgage balance — the principal you owe (or plan to borrow) on the primary loan.
Optionally enter a Second Mortgage / HELOC balance to see your Combined LTV (CLTV).
Optionally enter a Desired LTV percentage to reverse-calculate the down payment needed to hit that target.
The summary updates automatically — copy any block with the copy buttons.

Возможности

LTV ratio and home equity – both the percentage and dollar figures, with a tier classification from excellent to underwater.
PMI threshold analysis – flags when you cross the 80% LTV rule and shows the exact principal you must pay down to drop PMI.
Combined LTV (CLTV) – stacks a second mortgage or HELOC onto the first lien to reveal your true leverage.
Reverse down-payment calculator – pick a target LTV and the tool tells you the down payment and maximum loan that hit it.
Lender program reference – max LTV limits for Conventional, FHA, VA, USDA, Jumbo, HELOC, and cash-out refinance, with the minimum down payment each requires for your property.
Мультивалютность – switch between USD, EUR, GBP, CAD, and AUD on the property value.

 Часто задаваемые вопросы

What is a Loan-to-Value ratio and why does it matter?

LTV is the size of a mortgage expressed as a percentage of the property's appraised value or purchase price (whichever is lower). Lenders use it as a primary risk signal: a low LTV means the borrower has skin in the game and the lender can recover the loan from the property in a foreclosure, while a high LTV means the lender is exposed if prices fall. LTV directly influences interest rate, mortgage insurance requirements, and program eligibility.
Why is the 80% LTV threshold so important?

On a conventional loan, lenders require private mortgage insurance (PMI) whenever the borrower owes more than 80% of the property's value. PMI protects the lender — not the borrower — against default and typically costs 0.3% to 1.5% of the loan amount per year. Under the Homeowners Protection Act of 1998, conventional PMI must automatically terminate once the loan balance reaches 78% of the original value, and a borrower can request cancellation at 80% with a clean payment history.
What is the difference between LTV and CLTV?

LTV looks only at the first mortgage. Combined Loan-to-Value (CLTV) adds every lien secured by the property — a second mortgage, a home equity loan, a HELOC draw, or a piggyback loan — and divides the total by property value. CLTV is what controls eligibility for second liens and cash-out refinances; most lenders cap CLTV at 80% to 85%, even when the first-lien LTV alone is comfortably below that.
How do FHA, VA, USDA, and Conventional LTV limits differ?

Conventional loans go up to 97% LTV with PMI (80% without). FHA loans allow up to 96.5% LTV but require an upfront and annual Mortgage Insurance Premium that often stays for the life of the loan if the down payment is under 10%. VA loans for eligible veterans and USDA Rural Development loans both allow 100% LTV — zero down — but VA charges a funding fee and USDA enforces income and geographic limits. Jumbo loans, above conforming limits, are stricter and usually cap LTV around 80% to 90%.
What happens if my LTV goes above 100%?

An LTV above 100% means the outstanding loan balance is larger than the property's market value — commonly called being underwater or upside down. Refinancing and selling without bringing cash to closing become difficult, and a forced sale may not produce enough to repay the lender. Programs like FHFA's HARP existed historically to refinance underwater conventional loans; today, borrowers usually need to wait for prices to recover, pay down principal aggressively, or pursue a short sale or loan modification.