Loan-to-Value (LTV) Calculator

Find your LTV and combined LTV ratio, your equity, and how much borrowing room you have before hitting an 80% cap.

Calculate your loan-to-value ratio

Home value ($)

First mortgage balance ($)

Other loans against the home ($)

HELOC, second mortgage, etc.

Your loan-to-value (LTV)

Combined loan-to-value (CLTV)0%

Equity you hold$0

Room before an 80% cap$0

Educational estimate. Lenders may value your home differently and set their own LTV limits.

What loan-to-value means

Loan-to-value (LTV) is the percentage of your home's value that is financed by debt: total loans divided by home value. On a $400,000 home with a $280,000 mortgage, your LTV is 70%. When you add a HELOC or second mortgage, lenders look at the combined LTV (CLTV) — all loans together. Most cap CLTV at 80–90%.

Lower LTV usually means better rates and easier approval. Learn what counts as a good LTV and how to build equity to lower it.