Loan-to-Value Calculator
Compare a first mortgage and additional secured borrowing with the property value. Read first-lien LTV and combined LTV separately.
Verify this calculatorMaintained
See what the result uses—and what it cannot know.
Sumvoro calculates deterministically from the visible inputs. It does not invent lender terms, local rules, market values, medical facts, or professional judgments.
- 1 · InputsCheck every entered value against the latest statement, quote, measurement, or official source.
- 2 · Formula
LTV = first loan ÷ property value × 100. Combined LTV = (first loan + additional secured debt) ÷ property value × 100. - 3 · SensitivityUse Insights to run a lower and higher case. If the conclusion changes easily, collect better information or leave more margin.
- 4 · ScopeThis tool is maintained and covered by automated calculation tests. Provider timing, rounding, and omitted facts can still change a real-world result.
- Formula release
- 2026.10-r4
- Release date
- October 10, 2026
- Review status
- Maintained
- Source review
- September 12, 2026
Optional readingLearn how this calculator works
How the loan-to-value calculator works
Compare a first mortgage and additional secured borrowing with the property value. Read first-lien LTV and combined LTV separately.
LTV = first loan ÷ property value × 100. Combined LTV = (first loan + additional secured debt) ÷ property value × 100.
Read our calculation methodology and limitations.
Example
A $350,000 first loan on a $500,000 property is 70% LTV. Add a $25,000 second loan and combined LTV is 75%, leaving $125,000 of modeled equity.
What affects the result
- Use a consistent property valuation date.
- Additional secured debt affects combined LTV even if the first mortgage is unchanged.
- Lender valuation and credit-line treatment can differ from your assumptions.
Frequently asked questions
Are LTV and combined LTV the same?
Only when no additional secured debt is included. Combined LTV includes the additional borrowing you enter.
Is estimated equity cash I can withdraw?
No. Sale costs, lender limits and borrowing costs can reduce usable proceeds.
Which value should I use?
Use the valuation relevant to your comparison. A lender may use an appraisal or a purchase-price convention different from a listing estimate.