Last reviewed 08-20-2026Short-Sale.com Editorialglossary
Combined Loan-To-Value (CLTV)
FHA Single Family Housing Policy Handbook Glossary November 26 2025
Updated 08-20-2026
Combined Loan-To-Value (CLTV)
The Combined Loan-to-Value (CLTV) is computed as the Base Loan Amount plus the outstanding principal balance of all subordinate Mortgage(s) divided by the Adjusted Value.
FHA Single Family Housing Policy Handbook Glossary November 26 2025
p. 8
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