Home Equity LTV Calculator
Combined loan-to-value is the first test a home equity lender runs. Enter the appraised value and both liens to see the ratio and the equity left.
Combined loan-to-value
Enter a zero second lien to see your current position.
The formula
Combined LTV = (first lien + second lien) ÷ appraised value. Equity = value − all liens. Programme maximums are lender policy, not law.
How to read the output
The output is two figures, not one. Combined loan-to-value is all secured debt divided by the appraised value — the ratio a home equity lender screens first. Equity is what would remain if every lien were repaid today. No payment is computed here, because a home equity offer also depends on income, credit tier and the lender's programme limits.
Every calculator runs in this page. Nothing you type is transmitted or stored.
What a calculator cannot tell you
A calculator cannot tell you what a lender will offer. It tells you what a given rate, term and amount cost. The rate you are actually offered is set by the lender against your file.
Sources
- FDIC Consumer Resource Center — Consumer guidance on credit, loans and deposit accounts.
- OCC — Consumer Protection — Federal bank regulator consumer-protection guidance.
Figures marked VERIFIED were read from these sources at build time; figures marked CALCULATED come from the arithmetic shown; VARIABLE means the number differs by lender, state or credit tier and is not quoted as a single value.