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The amount of money you put in your pocket after selling your home depends on how much you still owe on the home and what you will have to pay your Realtor for selling the home. If you have a second mortgage, or home equity loan, on the property, you’ll have to pay that off when you sell the home.

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Keep in mind that economic conditions can have a negative impact on home values regardless of improvements you make to your home. Now that you know how to calculate your loan-to-value and combined loan-to-value ratios and how you can impact them, you can make more informed choices to help you reach your financial goals, whether you choose to.

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Redfin’s home affordability calculator will help you figure out how much house you can afford by using your income, down payment, monthly debt and current mortgage rates to search current real estate listings in your expected price range.

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