Home Information Appraised value of home? $ Mortgage balance? $ Second mortgage balance? $ Printer-friendly version Available Equity Based on Loan-to-Value 80% LTV 85% LTV 90% LTV 95% LTV Chart Table Available Equity Based on Loan-to-Value Loan to Value Available Equity 80% LTV 85% LTV 90% LTV 95% LTV Submit The amount of equity available for a home equity loan or home equity line of credit is determined by the loan-to-value ratio of the home and the ratio requirements of the lender. A loan-to-value ratio is calculated by taking total mortgage debt (including any second mortgages or existing home equity loans) and dividing it by the current, appraised value of the home. The size of a home equity loan or line of credit will also depend on the loan-to-value requirements of the lender. Higher loan-to-value requirements can result in larger home equity loans or lines of credit.