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Loan-to-Value (LTV) Ratio Mortgage Calculator

LTV = loan amount / appraised property value.

Compute the loan-to-value ratio for a mortgage: LTV = loan amount / lower of (appraised value, purchase price). Conventional limit ≤ 80 % to avoid PMI; FHA up to 96.5 %; jumbo loans typically capped at 80–90 %. Reports LTV %, equity %, and PMI-required flag.

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

Inputs

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Results

Enter values and click Calculate to see results.
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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

LTV = loan / appraised value.

In depth

Compute the loan-to-value ratio for a mortgage: LTV = loan amount / lower of (appraised value, purchase price). Conventional limit ≤ 80 % to avoid PMI; FHA up to 96.5 %; jumbo loans typically capped at 80–90 %. Reports LTV %, equity %, and PMI-required flag.