Financing calculator
Loan-to-value calculator
Compare a proposed loan plus existing liens that will remain secured by the property with its entered value to see an estimated combined loan-to-value percentage. The amounts are editable, and the estimate updates as you type.
RivetRatio · Borrower preparation
Loan-to-value calculation summary
- Property value
- Not available until all amounts are valid
- Loan amount
- Not available until all amounts are valid
- Existing liens
- None entered ($0.00 used)
Combined LTVNot available — enter valid amounts
Combined LTV formula
Combined LTV = (loan amount + existing liens) ÷ property value × 100
Not available until all amounts are valid
Estimate only. This result does not determine eligibility or guarantee approval.
Your inputs
Add each amount in order
Include the proposed loan and any other liens that will stay on the property.
The estimated property value used in this calculation; a lender’s valuation may differ.
The amount you plan to borrow against the property.
Optional. Leave blank if there are no other liens. Enter the combined outstanding balance of other liens that will remain secured by this property alongside the proposed loan. Exclude balances the proposed loan will pay off.
04 / Combined LTV
This estimate uses your entered loan amount plus optional existing liens, divided by your entered property value. Lenders may use different valuation methods or LTV limits; the ratio alone does not determine eligibility or guarantee approval.
The formula
Combined LTV = (new loan amount + existing liens) ÷ property value × 100
Add the proposed loan and the outstanding balance of other liens that will remain secured by the property. Divide that total by the property value, then multiply by 100.
Example
($375,000 + $0) ÷ $500,000 × 100 = 75% combined LTV
Your calculation
A percentage appears when the property value, loan amount, and any liens are valid.
Enter valid property value and loan amounts, plus a valid lien amount if entered, to enable printing.