Loan-to-value (LTV) calculator API

Computes LTV = loanAmount / propertyValue, buckets the risk, and flags whether PMI is likely required (conventional 80% threshold). Answers 'What is my loan-to-value ratio?','Will I need PMI at this down payment?'.

Price$0.01per request

MethodPOST

Route/v1/calc/loan-to-value

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

loanltvmortgagedown-paymentpmiriskcalculator

API URLhttps://x402.hexl.dev/v1/calc/loan-to-value

Integration docs

Example request

{
  "loanAmount": 240000,
  "propertyValue": 300000
}

Example response

{
  "ltvPct": 80,
  "ltvRatio": 0.8,
  "riskBucket": "standard",
  "pmiLikelyRequired": false,
  "downPayment": 60000,
  "downPaymentPct": 20,
  "formula": "LTV = loanAmount / propertyValue",
  "breakdown": {
    "loanAmount": 240000,
    "propertyValue": 300000,
    "pmiThresholdPct": 80
  }
}

Input schema

{
  "type": "object",
  "required": [
    "loanAmount",
    "propertyValue"
  ],
  "properties": {
    "loanAmount": {
      "type": "number",
      "description": "Loan amount.",
      "examples": [
        240000
      ]
    },
    "propertyValue": {
      "type": "number",
      "description": "Appraised property value.",
      "examples": [
        300000
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}