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Loan-to-Value Ratio illustration

Real Estate · Loan

Loan-to-Value Ratio

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Use LTV to understand leverage and lender exposure relative to property value.

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Interactive workbench

Loan sizing check

Loan AmountProperty Value

A $750,000 loan on a $1,000,000 property is 75% LTV.

Step 1 of 3

Variables and units

  • Loan Amount

    Total loan amount.

    currency

  • Property Value

    Property value used by lender.

    currency

Common mistakes

  • Using asking price when lender value differs.
  • Entering down payment instead of loan amount.

Step-by-step example

Loan sizing check

  1. 1. Start with the example inputs

    • Loan Amount$750,000
    • Property Value$1,000,000

  2. 2. Apply the formula

    Loan AmountProperty Value

  3. 3. Run the numbers

    75%

    A $750,000 loan on a $1,000,000 property is 75% LTV.

What this result means

Loan-to-Value Ratio result 75% compares the loan amount with the property value. Lower leverage usually gives more room for lender requirements and risk review.