MAKE THE NUMBERS YOURS

Home equity & HELOC calculator

Estimate potential additional borrowing from your home value, existing liens and an assumed combined loan-to-value limit.

Explore your home equity.

Model a HELOC or second mortgage while keeping your first mortgage. Your chosen combined loan-to-value (CLTV) is an assumption, not an available program or approval.

Estimated property value ($)

First mortgage balance ($)

Other mortgages / liens ($)For existing HELOCs, a lender may count the full credit limit rather than just the drawn balance.

Assumed maximum CLTV (%)For example, 80%. Actual limits depend on the program and your eligibility.

Desired new borrowing ($)

Estimated total property equity

$200,000

Property value less the existing balances you entered.

Potential additional borrowing

$80,000

Before fees, at your assumed 80% CLTV.

CLTV with your desired borrowing

75.0%

Amount above your assumed limit

Zero means it fits this calculation; it does not mean you qualify.

Calculation: $600,000 × 80% − $400,000 first mortgage − $0 other liens. Potential additional borrowing cannot be less than zero.

This is an equity illustration, not an appraisal, credit decision or offer. Credit, income, occupancy, existing line limits, property value, program loan limits and fees may reduce the amount available. Home equity borrowing is secured by your property. HELOC rates and payments may change, and fast digital applications do not guarantee instant approval or funding.

Compare HELOC & second mortgage options

Learn more: CFPB: how HELOCs work · CFPB: HELOCs and home equity loans.

Home equity & HELOC calculator

Explore your home equity.

Keep your first mortgage. Explore your equity.