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Combined Loan To Value Ratio - ... The LTV ratio is calculated as the amount of the mortgage lien divided by the appraised value of the property, expressed as a percentage. For example, a borrower taking on a $92,500 mortgage to purchase a home appraised at $100,000 would have an LTV ratio of 92.50% (92,500/100,000).
VA Loan Debt Ratio Requirements. Part of the VA loan approval process when buying a home, various factors are taken into consideration. A timely credit history must be established, steady income and debts need to be verified and a debt ratio needs to be calculated. The VA debt ratio requirement is 41. The VA debt ratio is calculated by dividing monthly debt with gross monthly income. For instance, if the new mortgage and car payment add up to $2,000 and gross income is $6,000, the debt ratio is 2,000 divided by 6,000, or .33.