Combined loan-to-value and HCLTV from your mortgage, second loans and credit line
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 6 Oct 2026.Combined loan-to-value adds every loan secured on the home and divides by its value. Fannie Mae counts only the drawn part of a HELOC in CLTV, and the full line in HCLTV. With a $500,000 home, $280,000 on the mortgage, a $40,000 second loan and $50,000 drawn of a $100,000 line, CLTV is 74% and HCLTV is 84%.
Rates and rules read from the sources listed on this page (the earliest on 6 Oct 2026); they may have changed since.
Enter the home value and the first mortgage balance.
Enter any other loans on the home, then the credit line and the amount drawn.
Read the LTV, the CLTV with the drawn amount and the HCLTV with the full line.
Compare them with the limit your lender quoted.
The HELOC Calculator answers three questions about borrowing against a home: how much equity you have, how much a lender could lend, and what a home equity line of credit would cost each month.
Equity and the ratios. Equity is the home value minus every loan secured on it. LTV is the first mortgage divided by the value. The combined ratios follow Fannie Mae's Selling Guide: CLTV adds other loans and the drawn part of a HELOC (B2-1.2-02), and HCLTV adds the full credit line whether drawn or not (B2-1.2-03). For a purchase Fannie Mae divides by the lower of price and appraised value; for a home you own, enter its current value.
How much you can borrow. Each lender sets a maximum combined loan-to-value, so it is an input; 85% is an example. The borrowable amount is that share of the value minus what you already owe. A line larger than that is flagged.
The rest of the article, and all 6 questions about HELOC Calculator, are on the HELOC Calculator page.
Lenders cap the total of all loans on the home at a maximum combined loan-to-value they set. With an 85% limit, a $500,000 home with $280,000 owed allows $425,000 in total, so up to $145,000 more. Credit score, income and debts can lower the line a lender actually offers.
Both add every loan on the home and divide by its value. Fannie Mae's CLTV counts only the drawn part of a HELOC; HCLTV counts the full credit line, drawn or not. With $50,000 drawn of a $100,000 line, HCLTV is 10 points higher than CLTV on a $500,000 home.
Most HELOC rates are variable, usually the prime rate plus a margin, and change during the loan. The calculator holds the rate you enter fixed, so run it again at a rate one or two points higher. A home equity loan, by contrast, usually has a fixed rate and a fixed payment from the start.
Later draws, minimum payments that include principal, annual fees, closing costs, rate caps and tax deductions are not modelled. The value of the home is your input, not an appraisal. Lenders also check credit, income and debts, so the line offered can be lower than the maximum shown.
Rates and rules change; check the source before you rely on a figure.
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