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Loan basics

Combined loan-to-value (CLTV)

Also known as: CLTV, combined LTV, combined loan to value

All secured loan balances on a property divided by home value.

Combined loan-to-value (CLTV) adds the first mortgage balance and other liens (such as a HELOC draw) and divides by home value. Lenders use CLTV (and related HCLTV, which uses the full credit line) when sizing home equity products. Higher CLTV generally means less equity cushion. FinanceFlow’s HELOC calculator uses an editable educational CLTV guideline (often illustrated around 80%).

See also

Loan-to-value (LTV)HCLTVHELOCHome equity
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Definitions are for general education. Loan products, insurance, and taxes vary by lender, location, and your situation. FinanceFlow calculators produce estimates only and are not a lender quote or professional advice.