LTV Calculator — Loan-to-Value for Commercial Real Estate

Requested Loan Amount

Current Property Value (or Purchase Price)

Loan-to-Value Ratio

0%50%100%

Loan Amount$0

Property Value$0

Your Equity$0

LTV Ratio0%

What is LTV?

Loan-to-Value ratio measures the loan amount as a percentage of the property’s appraised value or purchase price. It tells lenders how much skin in the game you have. The lower the LTV, the safer the loan — and the better your rate.

Typical Commercial LTV Limits

• Owner-occupied: up to 80–90% LTV
• Investment property: typically 65–75% LTV
• Cash-out refinance: usually capped at 65–70% LTV
• Bridge / hard money: up to 75% LTV

LTV Formula

LTV = (Loan Amount ÷ Property Value) × 100

Embed This Calculator on Your Site

Copy the code below and paste it into your website or blog HTML. The widget is free, requires no JavaScript library, and works on any site.

Show Embed Code

<!-- RefiLoop LTV Calculator Widget — Embed on your site -->
<!-- Copy and paste this code where you want the calculator to appear -->
<div id="refiloop-ltv-widget" style="max-width:600px;margin:0 auto;padding:20px;border-radius:12px;background:#f8fafc;border:1px solid #e2e8f0;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;">
  <h3 style="text-align:center;font-size:18px;margin-bottom:16px;color:#1e293b;">Loan-to-Value (LTV) Calculator</h3>
  <div style="margin-bottom:12px;">
    <label style="display:block;font-size:13px;font-weight:600;margin-bottom:4px;color:#1e293b;">Loan Amount</label>
    <input type="number" id="rl-ltv-la" placeholder="$1,500,000" style="width:100%;padding:10px;border:2px solid #e2e8f0;border-radius:8px;font-size:15px;box-sizing:border-box;">
  </div>
  <div style="margin-bottom:12px;">
    <label style="display:block;font-size:13px;font-weight:600;margin-bottom:4px;color:#1e293b;">Property Value</label>
    <input type="number" id="rl-ltv-pv" placeholder="$2,000,000" style="width:100%;padding:10px;border:2px solid #e2e8f0;border-radius:8px;font-size:15px;box-sizing:border-box;">
  </div>
  <button onclick="rlLtvCalc()" style="width:100%;background:#1a56db;color:white;border:none;padding:12px;border-radius:8px;font-size:15px;font-weight:600;cursor:pointer;">Calculate LTV</button>
  <div id="rl-ltv-result" style="display:none;text-align:center;margin-top:16px;padding:16px;border-radius:8px;">
    <div id="rl-ltv-val" style="font-size:36px;font-weight:800;line-height:1.1;">0%</div>
    <div style="font-size:12px;font-weight:600;text-transform:uppercase;color:#64748b;margin-top:4px;">Loan-to-Value Ratio</div>
    <div id="rl-ltv-status" style="font-size:14px;font-weight:600;margin-top:8px;"></div>
    <div style="height:20px;background:#e2e8f0;border-radius:10px;overflow:hidden;margin-top:12px;">
      <div id="rl-ltv-bar" style="height:100%;border-radius:10px;width:0%;transition:width 0.6s ease;"></div>
    </div>
  </div>
  <p style="font-size:11px;text-align:center;margin-top:16px;">
    Powered by the <a href="https://refiloop.com/calculators/ltv" target="_blank" rel="dofollow">RefiLoop Commercial LTV Calculator</a>
  </p>
</div>
<script>
function rlLtvCalc(){
  var la=parseFloat(document.getElementById('rl-ltv-la').value)||0;
  var pv=parseFloat(document.getElementById('rl-ltv-pv').value)||0;
  if(la<=0||pv<=0){alert('Please enter valid values.');return;}
  var ltv=(la/pv)*100;
  var el=document.getElementById('rl-ltv-result');
  el.style.display='block';
  document.getElementById('rl-ltv-val').textContent=ltv.toFixed(1)+'%';
  document.getElementById('rl-ltv-bar').style.width=Math.min(ltv,100)+'%';
  var st=document.getElementById('rl-ltv-status');
  var bar=document.getElementById('rl-ltv-bar');
  var val=document.getElementById('rl-ltv-val');
  if(ltv<=65){el.style.background='#f0fdf4';val.style.color='#16a34a';st.style.color='#16a34a';bar.style.background='#16a34a';st.textContent='Conservative — strong equity position';}
  else if(ltv<=75){el.style.background='#f0fdf4';val.style.color='#16a34a';st.style.color='#16a34a';bar.style.background='#16a34a';st.textContent='Standard — within typical lending limits';}
  else if(ltv<=80){el.style.background='#fffbeb';val.style.color='#d97706';st.style.color='#d97706';bar.style.background='#d97706';st.textContent='Higher LTV — may need mortgage insurance';}
  else{el.style.background='#fef2f2';val.style.color='#dc2626';st.style.color='#dc2626';bar.style.background='#dc2626';st.textContent='High LTV — exceeds most commercial limits';}
}
</script>
<!-- End RefiLoop LTV Widget -->

Understanding LTV in Commercial Refinancing

Loan-to-value is the primary qualifier lenders use when evaluating a commercial refinance. Banks typically max out at 70–75% LTV, while debt funds can go to 80% LTV for strong sponsors. LTV becomes especially important in refinancing because higher cap rates in recent years have compressed appraised values — meaning a property that had 65% LTV in 2021 may now be at 75% LTV with the same loan balance. For a comprehensive guide to how LTV fits into the refinance process, see our complete commercial mortgage refinancing guide.