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EUGENE HOME FINANCE WORKSPACE

Know your equity.
Include every secured balance.

Compare the first loan, combined secured debt and gross equity.

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YOUR DECISION MAP
  1. 01Set your assumptions
  2. 02See the trade-offs
  3. 03Keep, compare or share

34 tools. One connected workspace.

● Private calculations in your browser

Home equity

Loan-to-value & equity

Keep primary and subordinate balances visible in the same equity calculation.

Starting values are illustrative scenarios, not local prices, rates, fees or eligibility rules. Enter the figures for your own situation.

YOUR DECISION, IN NUMBERS

METHOD 2026-10-23.3
First-loan LTV60%
Combined LTV68.33%
Gross equity before selling costs$190,000

No appraisal or lender-approved value. This is gross equity before sale, payoff and discharge charges.

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A SMALL CHANGE / A DIFFERENT VIEW

Property value $25,000 lower

First-loan LTV

Current scenario60%
Changed assumption62.61%

One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.

READ THE RESULT

What the numbers are telling you.

  1. First-loan LTV and combined LTV answer different questions when a second lien exists.
  2. A home-value assumption is not an appraisal or an approved lender value.
  3. Gross equity is before selling, payoff and discharge charges.
A GOOD QUESTION

Why is combined LTV higher than first-loan LTV?

Combined LTV includes the other property-secured balances you enter. Omitting a second mortgage or HELOC can overstate available equity.

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YOUR COMPARISON TABLE

Keep the possibilities
side by side.

Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.

No scenarios saved on this device yet.

OPEN METHODS / BETTER QUESTIONS

Understand what the number means.

Before acting on the result

No appraisal or lender-approved value. This is gross equity before sale, payoff and discharge charges.

Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.

YOUR NEXT STEP / MITEY U.S.

A number is a start.
Make the next step clearer.

Ask MITEY about the calculation, an assumption or how to organize your next decision. Choose whether to include your scenario.

01 · Your calculator stays free02 · Share only what you choose03 · No loan application or credit check

This is an educational enquiry. It is not a request for a lender quote, approval or regulated mortgage advice.

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About: Loan-to-value & equity · Eugene

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