Credit limit calculator

Determine your limit for a given home equity line of credit

This calculator determines your credit limit on a home equity line of credit for any given loan ratio percentage. Enter your home's current equity and the mortgage amount still owed in the text boxes below. The loan to value percentage (the LTV ratio multiplied by 100) indicates the ratio between the size of the loan you are interested and the lender's valuation of the property and can range from 50% to 125%. This percentage will be given to you by you by your lender and can be compared with other loan ratio percentages by using the table presented below.

Home Equity Value:
Ammount Still Owed:
Loan to Value Percentage:

Credit limit calculation results

Current Home Equity:	$125,000
Current Loan Home:	$50,000
Maximum Loan Possible:	$156,250
Loan to Value Percentage:	125%
Home Equity Credit Limit*:	$106,250

*Your credit limit is the maximum that can be borrowed for a given loan ratio.

Comparison with other loan ratio percentages

Loan Ratio Percentage	Current Home Equity	Maximum Loan Possible	Current Loan	Home Equity Credit Limit
125%	$125,000	$156,250	$50,000	$106,250
120%	$125,000	$150,000	$50,000	$100,000
110%	$125,000	$137,500	$50,000	$87,500
100%	$125,000	$125,000	$50,000	$75,000
90%	$125,000	$112,500	$50,000	$62,500
80%	$125,000	$100,000	$50,000	$50,000
70%	$125,000	$87,500	$50,000	$37,500
60%	$125,000	$75,000	$50,000	$25,000
50%	$125,000	$62,500	$50,000	$12,500

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