US HOME EQUITY · CLTV
Combined Loan-to-Value (CLTV) Calculator
If you have a first mortgage and a home-equity line, lenders may consider the combined obligations against the home's appraised value. Compare both secured balances instead of looking at your HELOC alone.
Enter your figures
Figures are calculated in this browser; entered personal amounts are not required to be sent to our servers.
Calculation results
The LTV ceiling is user selected, not a guaranteed lender limit; the home is collateral and qualification includes income, credit and valuations.
Estimate only. A bank, employer, tax office or lender may apply additional conditions. See the scope and source below.
When and how to use this calculator
A $500,000 home with a $300,000 first mortgage and $25,000 already drawn on a HELOC has $325,000 of combined secured debt (65% CLTV). At your chosen 80% CLTV comparison target, the arithmetic room is $75,000, not an approved credit limit.
- Enter a recent defensible market value or actual appraisal; an online guess is not a lender valuation.
- Add the outstanding first mortgage PRINCIPAL and existing second mortgages, plus the utilized HELOC balance for this illustration.
- Choose a lender's documented CLTV limit or a personal scenario target. Additional borrowing is subject to lender underwriting, appraised value, and whether the lender counts full HELOC limits rather than drawn balances.
Understand your result
Uses outstanding balances rather than every lender's combined CREDIT LIMIT method. No appraisal, lien priority, closing fees, creditworthiness, changing home prices or legally binding borrowing limit; user-selected CLTV ratio is not a guarantee.
Questions people ask
Does CLTV count a second mortgage?
Yes. CLTV looks at combined secured mortgages as a share of home value, unlike the first mortgage's LTV alone.
Will a lender let me draw all the displayed amount?
No. Underwriting, credit, lien position, income and a lender's treatment of your HELOC CREDIT LIMIT can change eligibility.
What if I owe more than the house is worth?
The mathematical percentage exceeds 100% and your calculated equity is negative; this does not establish sale proceeds or legal rights.
Reference and calculation scope
Source material is provided for independent checking. Our calculator is not a government or bank service.