Banking Ratios

Loan-to-Value Ratio

First + second mortgage vs. property value, with max-LTV limits.

Inputs

Property value

First mortgage balance

Second mortgage / HELOC balance

Enter 0 if none. Include HELOC drawn balance or fixed-rate home-equity loan.Max LTV programPick a common program limit or choose Custom to enter your own.Custom max LTV

Only used when Max LTV program = Custom. Defaults to 80%.

Results

First mortgage LTV

80.0%

Second / HELOC LTV

0.0%

Combined LTV (CLTV)

80.0%

Max allowed (80%)

$320,000.00

Total debt cap at the selected program limit

Available headroom

$0.00

Additional borrowing capacity before hitting max LTV

PMI likely?

Property value breakdown

First mortgage

$320,000.00

80.0%

Second / HELOC

$0.00

0.0%

Equity

$80,000.00

20.0%

LTV vs. program max

$80.00

First LTV

$80.00

CLTV

$80.00

Max 80%

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Total liabilities / total assets.

Liquidity Ratio

Liquid assets / monthly expenses (months of runway).