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BloomfieldLending

Mortgage Tools

Cash-Out / Home Equity Calculator

Estimate how much equity you may have today and what a given loan-to-value assumption would imply. The LTV you choose is an assumption, not a lending limit.

Your property

Your own estimate. An appraisal or valuation would be required for an actual loan.

Second mortgages, HELOC balances, or other recorded liens.

Loan-to-value assumption

Maximum LTV varies widely by loan program, occupancy, property type, credit profile, and lender. There is no universal limit — pick a value to model.

Common LTV assumptions to model

Estimated current equity

$200,000

Estimated value less the total debt secured by the property.

Equity details

Total secured debt
$300,000
Estimated current LTV
60%
Loan amount at 80% LTV
$400,000
Potential cash before costsBefore closing costs, prepaid items, and any payoff amounts.
$100,000

Important

Results are estimates provided for educational purposes only. They are not a loan offer, an approval, a commitment to lend, a guaranteed rate, or final loan terms. Actual figures depend on underwriting, credit review, property details, program requirements, and market conditions at the time of application.

These figures do not mean you can borrow this amount. Eligibility, available loan amounts, and maximum LTV depend on program guidelines, appraised value, credit, income, occupancy, and underwriting review.

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