Loan-to-Value (LTV) Ratio Calculator

ANA›Life Services Authority›National Calculator Authority›Loan-to-Value (LTV) Ratio Calculator

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Loan-to-Value (LTV) Ratio Calculator

Calculate your Loan-to-Value (LTV) ratio to understand your mortgage risk level, whether you need Private Mortgage Insurance (PMI), and your equity position.

Loan Amount ($)

Appraised Property Value ($)

Down Payment ($) (optional — overrides loan amount)

Calculate LTV

function loaCalc() { const resultDiv = document.getElementById('loa-result'); resultDiv.style.display = 'block';

const propertyValue = parseFloat(document.getElementById('loa-property-value').value); const downPaymentInput = document.getElementById('loa-down-payment').value.trim(); let loanAmountInput = parseFloat(document.getElementById('loa-loan-amount').value);

// Validation: property value is always required if (isNaN(propertyValue) || propertyValue ⚠ Please enter a valid appraised property value greater than zero.'; return; }

let loanAmount;

// If down payment is provided, derive loan amount from it if (downPaymentInput !== '') { const downPayment = parseFloat(downPaymentInput); if (isNaN(downPayment) || downPayment ⚠ Please enter a valid down payment (zero or greater).'; return; } if (downPayment >= propertyValue) { resultDiv.innerHTML = '⚠ Down payment cannot be equal to or greater than the property value.'; return; } loanAmount = propertyValue - downPayment; } else { // Use loan amount field if (isNaN(loanAmountInput) || loanAmountInput ⚠ Please enter a valid loan amount greater than zero, or provide a down payment.'; return; } loanAmount = loanAmountInput; }

if (loanAmount > propertyValue) { resultDiv.innerHTML = '⚠ Loan amount cannot exceed the appraised property value.'; return; }

// Core formula: LTV = (Loan Amount / Appraised Property Value) × 100 const ltv = (loanAmount / propertyValue) * 100; const equity = propertyValue - loanAmount; const equityPct = 100 - ltv; const downPaymentCalc = propertyValue - loanAmount; const downPaymentPct = (downPaymentCalc / propertyValue) * 100;

// LTV risk classification
let riskLabel, riskColor, riskNote;
if (ltv 80;
const pmiText = pmiRequired
? '❌ PMI Required — LTV exceeds 80%. PMI is typically added until LTV drops to 78–80%.'
'✅ No PMI Required — LTV is at or below 80%.';

// How much more equity needed to reach 80% LTV const targetLoanFor80 = propertyValue * 0.80; const amountToReach80 = loanAmount - targetLoanFor80;

const fmt = (n) => n.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); const fmtPct = (n) => n.toFixed(2);

// Progress bar width capped at 100% visually const barWidth = Math.min(ltv, 100).toFixed(2); const barColor = ltv \${fmtPct(ltv)}% \${riskLabel}

0%60%80%90%100%

\${pmiText} \${riskNote}

LTV Ratio \${fmtPct(ltv)}%

Loan Amount $\${fmt(loanAmount)}

Appraised Property Value $\${fmt(propertyValue)}

Down Payment $\${fmt(downPaymentCalc)} (\${fmtPct(downPaymentPct)}%)

Equity $\${fmt(equity)} (\${fmtPct(equityPct)}%)

\${amountToReach80 > 0 ? `

Principal Needed to Reach 80% LTV $\${fmt(amountToReach80)} ` : `

Below 80% LTV by $\${fmt(Math.abs(amountToReach80))} `}

`; }

#### Formula

LTV Ratio = (Loan Amount ÷ Appraised Property Value) × 100

Where:

Example: Loan of $320,000 on a $400,000 property → LTV = (320,000 ÷ 400,000) × 100 = 80.00%**

#### Assumptions & References

More Calculators

References

Related Authorities

Life Services Authority › Professional Services Authority › Trade Services Authority › United States Authority ›