Mortgage & Home · Glossary
Combined loan-to-value (CLTV)
Also called: CLTV
All loans secured by a home added together and divided by its value. Lenders cap it when you borrow against your equity with a HELOC or second mortgage.
CLTV = (first mortgage + second mortgages + HELOC balance or line) ÷ home value. It's the loan-to-value ratio extended to every lien on the property.
A common cap for a HELOC or home equity loan is 85%, though it varies by lender. The most you can borrow is the cap times the home's value, minus what you already owe.
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Disclaimer: Definitions are general education, not financial, tax, or legal advice. Figures are for the 2026 tax year unless noted.