Loan To Value Calculator
The Loan To Value Calculator computes loan to value from the relation LTV = loan amount divided by property value, times 100. It takes 2 inputs (loan amount in USD, property value in USD) and returns the loan to value. Because this is a pure mathematical or physical formula rather than a jurisdiction-specific rule, the result never changes over time: the same inputs always produce the same answer, so you can rely on it whether you are checking homework, sizing a design, or sanity-checking another tool. Enter your values in the fields below and the result updates instantly; you can also share a permalink that pre-fills the exact calculation, which is useful for teaching, reports, or collaboration. For example, with loan amount = 180000 USD, property value = 200000 USD, the loan to value works out to 90, and the worked example further down the page shows every step so you can follow the arithmetic and reproduce it by hand. The method is the standard form documented by CalculatorHub methodology, and the figure above each result carries the date it was last verified. This tool is general information and is not a substitute for professional engineering, medical, financial, or scientific advice; always check critical results against the primary source and your own judgement.
With Loan amount = 180000 USD, Property value = 200000 USD, the result is 90.
Applies to: any numeric inputs. Method source: CalculatorHub methodology, checked 2026-06-23.
The formula
LTV = loan amount divided by property value, times 100
Worked example
With Loan amount = 180000 USD, Property value = 200000 USD:
- Divide loan amount by property value: 180000 / 200000
- Multiply by 100
- LTV ratio = 90 percent
- Loan To Value = 90
This worked example is one of the automated golden-value tests this calculator must pass before it can publish.
What this assumes
- Inputs are real numbers in the units shown.
- The result is the exact value of LTV = loan amount divided by property value, times 100; general information, not professional advice.
Frequently asked questions
What formula does this use?
LTV = loan amount divided by property value, times 100, the standard form documented by CalculatorHub methodology.
Does the result ever change over time?
No. This is a pure formula with no external rate, so the same inputs always give the same result.
Official sources and verification
- Method: CalculatorHub methodology, checked 2026-06-23.
Reviewed by the CalculatorHub team, edited by James Graham, 2026-06-23. See our methodology. General information, not professional advice.