Home Equity Calculator Excel | LTV CLTV & Borrowing Power Comparison Spreadsheet | Home Equity Loan vs Refinance Comparison Instant Download

This Excel spreadsheet is a complete home equity analysis tool designed to help homeowners understand their borrowing power and compare financing options. It calculates your current equity, LTV and CLTV ratios, maximum borrowing capacity, and provides side-by-side comparisons of home equity loans, lines of credit, and refinance options with up to 40-year paydown projections. The macro-free workbook includes scenario analysis for different lender requirements, charts, and a glossary—everything you need to make an informed borrowing decision offline.