Home Equity & LTV Calculator
Current equity, loan-to-value ratio, and how much you could borrow against your home.
Every calculation runs locally in your browser. Actual borrowing limits depend on credit, income, and lender policy — this shows the LTV-based ceiling only, not a loan approval.
Available to borrow (at max LTV)
$70,000
Current equity
$150,000
Current LTV
62.5%
For informational and educational purposes only — not financial, investment, or tax advice, and not a substitute for consulting a qualified professional about your specific situation. TrueMeasureKit is not liable for decisions made based on these results. See our Terms of Service.
Equity vs. what a lender will actually let you borrow
Home equity — value minus what's owed — is a measure of net worth, not a lending limit. Lenders instead cap total borrowing (existing mortgage plus any new loan) at a maximum loan-to-value ratio against the home's appraised value, commonly 80%. That's why "available to borrow" is usually smaller than raw equity: it's the gap between that LTV ceiling and the balance already owed, not the full amount the home is worth beyond the mortgage.
Frequently asked questions
What's loan-to-value (LTV) and why does it matter?
LTV is your mortgage balance divided by your home's value. Lenders use it to price home equity loans and lines of credit — lower LTV (more equity) generally means better rates and higher borrowing limits.
How much of my equity can I actually borrow against?
Most lenders cap combined loan-to-value (existing mortgage plus new loan) around 80–85% of home value, though this varies by lender and loan type — this calculator shows the equity math, not a specific lender offer.