OpenChainGraph Suite · ART-336 · US Mortgage Compliance

LTV/CLTV/HCLTV Ratio Calculator

Loan-to-value, combined LTV, and home-equity combined LTV per Fannie Mae Selling Guide B2-1.1-03 and Freddie Mac Single-Family Seller/Servicer Guide 5401.1. Applies the lesser-of-value-or-price rule for purchases and includes the full HELOC credit limit in HCLTV. Feeds ART-222 Agency Eligibility Matrix.

Fannie Mae B2-1.1-03 Freddie Mac 5401.1 LTV · CLTV · HCLTV

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Value & Transaction

Appraised value ($)

Sales price ($, purchase only)

Leave 0 for refinances (appraised value is used instead).

Transaction type

Liens

First lien amount ($)

Subordinate lien (closed-end, $)

HELOC credit limit ($)

Full line amount, whether or not drawn (B2-1.1-03).

Ratio Detail

Execution Hash (SHA-256)