LTV and CLTV Calculator
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Calculator estimates are educational. A real mortgage professional can review your circumstances, documentation and lender requirements. A scenario review is not a loan approval or a guarantee of terms.
210 Mortgage | NMLS #219381
LTV and CLTV
Use the ltv and cltv calculator to calculate first-lien LTV, combined drawn-balance CLTV and HCLTV including the full HELOC credit limit.
Your scenario estimate
Complete the numbered sections, then select Calculate.
- CLTV with drawn HELOC
- HCLTV with full HELOC limit
- Value minus outstanding liens
Positive value required. Drawn HELOC cannot exceed entered limit. Value basis, lien treatment and program ceilings require lender verification.
Want me to review these numbers?
Send your question and, if you choose, attach these estimates for a personal scenario review.
Educational estimates, not approval, a rate quote or a commitment to lend. Entered rates are hypothetical modeling assumptions, not currently available 210 Mortgage rates. No APR calculation, future-rate forecast or automatic eligibility decision. User-entered fees, ratios and forecasts are assumptions. Results do not establish eligibility, a rate offer or an available credit limit. 210 Mortgage • Tyler Krug NMLS #219381 • Mortgage loans originated through My Community Mortgage, LLC NMLS #2408499 • Equal Housing Lender. See site licensing and disclosures.
How to Use the LTV and CLTV Calculator
Step 1: Value and liens
Enter the value accepted for your scenario, first mortgage and other closed-end liens. A lender may use the lower of purchase price and appraisal.
Step 2: HELOC balances and limits
Enter the drawn HELOC balance and total available line limit. HCLTV uses the full line; CLTV uses the drawn balance.
Calculate, compare and request a review
Choose Calculate to see your estimate. Change one assumption at a time and calculate again. Contact information is optional. Use the review form or Text a Question when you need help verifying the inputs.
How the Calculator Works
LTV=first/value×100. CLTV=(first+other liens+drawn HELOC)/value×100. HCLTV substitutes full HELOC limit for drawn balance. Equity=value−drawn total liens.
Example calculation
Hypothetical example, not an available loan offer. With $500,000 value, $300,000 first lien and a $50,000 HELOC with $10,000 drawn, LTV=60%, CLTV=62%, HCLTV=70%.
How to interpret your results
A ratio is a collateral measure, not a qualification decision. More than 100% may describe an underwater property.
Assumptions and factors that change the result
Positive value required. Drawn HELOC cannot exceed entered limit. Value basis, lien treatment and program ceilings require lender verification.
Frequently asked questions
Why can HCLTV be higher than CLTV?
CLTV uses the amount currently drawn on the HELOC. HCLTV uses its full credit limit, including undrawn capacity. Both also include the entered first mortgage and other closed-end liens.
Do these results mean I am approved?
No. The tool calculates the entered scenario. Documentation, property eligibility, program rules and lender review remain separate.
What should I do when an input is uncertain?
Use a documented quote or clearly labeled planning assumption. Change one input at a time, calculate again, and request a review before relying on it.