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HCLTV
The high combined loan to value (HCLTV) is the ratio of all mortgage loan amounts outstanding on a property when the second mortgage is a Line of Credit.

Uses
HCLTV uses the maximum Line of Credit limit available to be drawn in relation to the property's appraised value (or the selling price, whichever is less).

Calculation
The CLTV is calculated using only the actual balance of the first and second mortgages in relation to the property's value.

Calculation of the HCLTV Ratio
For first mortgages that have subordinate financing under a HELOC, the lender must calculate the HCLTV ratio.
This is determined by dividing the sum of the items listed below by the lesser of the sales price or appraised value of the property.
The original loan amount of the first mortgage,
The full amount of any HELOCs (whether or not funds have been drawn), and
The unpaid principal balance (UPB) of all closed-end subordinate financing.

Modified HELOCs
If the lender determines the HELOC has been permanently modified and the outstanding UPB is less than the permanently modified HELOC,
The lender must use the modified HELOC amount in calculating the HCLTV ratio for eligibility purposes and for delivery.
The lender must obtain appropriate documentation that the HELOC has been permanently modified and include this documentation in the loan file.