Loan to Cost (LTC) Ratio Table: Loan to cost ratio by Loan amount
Reference table of loan to cost ratio for Loan to Cost (LTC) Ratio across a range of loan amount values — exact, engine-computed figures you can read off at a glance.
Loan to Cost (LTC) Ratio Calculator
Verified formula Updated Jun 2026 Private — runs on your device
Verified formula
Private
Loan to cost ratio
80.00%
For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.
How to use the Loan to Cost (LTC) Ratio Calculator
The Loan to Cost (LTC) Ratio Calculator works out your loan to cost ratio in an instant. Enter loan amount and total project cost and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.
- Enter the loan amount.
- Enter the total project cost.
- Read off your loan to cost ratio — the calculator updates automatically, with no button to press.
Formula
The Loan to Cost (LTC) Ratio Calculator uses the formula:
Loan to cost ratio = Loan amount ÷ Total project cost × 100
Worked example
For example, with loan amount of 800,000 and total project cost of 1,000,000, the loan to cost ratio is 80.00%.
| Loan amount | 800,000 |
|---|---|
| Total project cost | 1,000,000 |
| Loan to cost ratio | 80.00% |
|---|
Results are estimates for educational use, not professional advice.
Key terms explained
- Ratio
- A comparison of two quantities showing how many times one contains the other.
Frequently asked questions
It is the loan amount divided by total project cost, as a percentage. An 800,000 loan on a 1,000,000 project is 80% LTC.
LTC compares the loan with total cost; loan to value compares it with the finished market value. They can differ markedly.
For construction and renovation loans, LTC shows how much of the actual spend is financed, indicating risk.
Lenders often cap LTC around 70–80%, expecting the borrower to fund the rest as equity.
The Loan to Cost (LTC) Ratio Calculator uses the formula: Loan to cost ratio = Loan amount ÷ Total project cost × 100. For example, with loan amount of 800,000 and total project cost of 1,000,000, the loan to cost ratio is 80.00%.
Enter the loan amount. Enter the total project cost. Read off your loan to cost ratio — the calculator updates automatically, with no button to press.
Related guides
How to Calculate Loan to Cost (LTC) Ratio: Formula, Steps & Examples
Learn how to calculate Loan to Cost (LTC) Ratio — the formula explained step by step, with worked examples and a free calculator to check your answer.