Lending & Risk Assessment
Loan-to-Value (LTV) Calculator
Calculate LTV ratio, equity, and loan amount for property financing.
🏠 Property Details
Property Value
$
Appraised value or purchase price
Loan Amount
$
Total mortgage or loan amount
📊 Down Payment
Down Payment
$
Amount paid upfront (auto-calculated)
Down Payment Percentage
%
Percentage of property value
📈 LTV Scenarios
LTV Limit
%
Maximum LTV allowed by lender
Loan Type
Purchase: based on purchase price, Refinance: based on appraised value
LTV
0%
LTV Ratio
0%
loan-to-value
Equity
$0
Equity Percentage
0%
PMI Required
No
Max Loan at LTV Limit
$0
📊 LTV Breakdown
| Component | Amount | % of Value |
|---|
How the formula works
LTV = (Loan Amount ÷ Property Value) × 100 | Equity = Property Value − Loan Amount
- Loan-to-Value (LTV) = Loan amount divided by property value, expressed as a percentage
- Equity = Property value minus loan amount (your ownership stake)
- Equity Percentage = (Equity ÷ Property Value) × 100
- PMI (Private Mortgage Insurance) = Required when LTV > 80%
- Max Loan at LTV Limit = Property Value × (LTV Limit ÷ 100)
- Down Payment = Property Value − Loan Amount