Home & mortgage

Home Equity Loan & CLTV Calculator

Estimate your equity, borrowing room under an entered combined loan-to-value limit, and the payment on a proposed fixed home-equity loan.

Estimate equity and borrowing room

Estimated home value ($)

Current mortgage balance ($)

Maximum CLTV assumption (%)

Proposed home-equity loan ($)

Home-equity loan APR (%)

Repayment term (months)

Maximum additional borrowing at entered CLTV—

Estimated home equity—

Current LTV—

Projected CLTV—

Proposed-loan payment—

Proposed-loan total interest—

CLTV check—

The CLTV percentage is an assumption you enter, not a statement of lender eligibility. Actual limits depend on lender, credit, property and loan terms.

How CLTV is calculated

Projected CLTV = (current mortgage balance + proposed home-equity borrowing) ÷ home value. Maximum additional borrowing under the entered limit = home value × maximum CLTV − current mortgage balance, floored at zero.

Method references

NerdWallet, Rocket Mortgage and Calculator.net describe home-equity borrowing limits using home value, existing secured debt and a lender CLTV/LTV limit. Reviewed September 30, 2026.

Educational estimate: Not a loan offer, lease quote, approval, appraisal, tax calculation or individualized financial advice. Verify contract terms with the applicable lender, servicer or dealer.