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Loan to value calculator.
Whether you are buying or refinancing, your loan to value ratio plays a major role in loan approval, available programs, and overall loan cost. It is the percentage of a home's value that the mortgage finances. Lower ratios typically lead to better loan terms and fewer restrictions. Higher ratios may require mortgage insurance or additional qualifications.
Check If You QualifyLenditHome Powered By Alpha Home Lending, Inc.
Serving Utah, Florida, Idaho, Pennsylvania, and Texas.
How the math works. Divide the loan amount by the home value. An $80,000 loan on a $100,000 home is an 80% loan to value ratio. For a purchase, the ratio is based on the lower of the purchase price or the appraised value.
Purchase loan to value guidelines.
How much of the price each program can finance when you buy.
VA Loans. Up to 100%
Eligible veterans and service members may purchase with no down payment and flexible qualification guidelines.
FHA Loans. Up to 96.5%
A minimum 3.5% down payment is required. FHA loans are accessible to many buyers and work well for moderate credit profiles.
Conventional Loans. Up to 97%
Down payments can be as low as 3% to 5%. Mortgage insurance is required when the ratio exceeds 80%, but it may be removed once equity increases.
Jumbo Loans. Up to 90%
Built for higher loan amounts. Jumbo loans typically require stronger credit and larger down payments.
USDA Loans. Up to 100%
Zero down payment financing for eligible properties in approved rural and suburban areas, subject to income guidelines.
Your Next Step
Your ratio is one piece of the picture. The checker weighs it with your income, debts, and credit.
See all loan options →Refinance loan to value guidelines.
How much equity each program needs when you refinance.
VA Refinance
Cash out refinancing may allow up to 100% in certain situations. VA Streamline refinances often do not require an appraisal.
FHA Refinance
Cash out refinancing is available up to 80%. FHA Streamline refinances simplify the process for existing FHA borrowers.
Conventional Refinance
Cash out refinancing is typically allowed up to 80%. Some rate and term refinances may qualify for appraisal waivers.
Jumbo Refinance
Cash out refinancing is generally limited to 75%, with stricter qualification requirements.
USDA refinance. Available for rate and term refinances only, through USDA Streamline programs.
Ready to see your full picture?
The calculator shows one ratio. The checker runs your equity, income, debts, and credit estimate together and shows the loan programs that may fit, side by side.
Check If You QualifyWant to explore programs first? See all loan options. Prefer to talk? Call Austin at (208) 821-0687.