HELOC LTV Calculator to calculate your home equity and the loan to value ratio. The LTV is calculated based on the appraised value of your home and your current mortgage balance.

Use this calculator to determine the home equity line of credit amount you may qualify to receive. The line of credit is based on a percentage of the value of your home, which is also known as loan-to-value (LTV). The more your home is worth, the larger the line of credit.

2024年12月3日 · The NerdWallet HELOC calculator lets you see whether you could qualify for a HELOC based on your loan-to-value ratio, the percentage of your home’s value that you owe to your mortgage lender.

Learn how to determine and calculate the equity in your home and your loan-to-value ratio (LTV) before considering refinancing or borrowing from your home's equity.

2025年1月3日 · Equity is the difference between how much you owe on your mortgage and your home’s value. This determines your loan-to-value ratio, or LTV. To find your LTV, divide your current mortgage balance...

2024年9月17日 · It will also display your current loan-to-value (LTV) ratio, which is a metric lenders use to determine how much more you can borrow against the home. Lenders typically require an LTV ratio...

2024年3月27日 · With a home equity line of credit (HELOC), you are limited to 80-90% loan-to-value (LTV), meaning you must leave 10% to 20% of the property’s value unborrowed. However, some lenders offer 100% LTV HELOCs that allow you to borrow against your home’s total appraised value.

2025年2月24日 · An LTV ratio measures how much money you're borrowing against the appraised value of your home. Lenders typically set limits for how high your LTV ratio can be. What are home equity loans and HELOCs? A home equity loan or HELOC enables you to use your home's equity as collateral for a new loan.

2025年2月12日 · The maximum HELOC amount you qualify for depends on your home equity, credit score, and your lender’s max HELOC LTV. Most lenders allow borrowing up to 85% LTV, but your specific HELOC limits...

2025年4月3日 · Avoid borrowing against your equity. While home equity loans and HELOCs are valuable tools, they increase your debt and raise your LTV ratio. So, if your goal is to reduce LTV, avoid using these financial resources. The Bottom Line A loan-to-value ratio affects everything from your ability to qualify for a home loan to your mortgage payment.