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Home Equity

HELOC calculator

See how much you could potentially borrow against your home — and what an interest-only HELOC payment would look like at today's rates.

Home value$Current mortgage balance$Max combined LTV%HELOC rate%Amount you want to draw$

Estimated max HELOC

$187,500.00

Your home equity
$270,000.00
Equity percentage
49.1%
Interest-only monthly
$354.17
Available headroom
$137,500.00

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How HELOC limits work
Lenders cap your line at a percentage of your home's value (max combined LTV) minus what you still owe on your first mortgage. 80–90% is typical.
Draw period vs. repayment
Most HELOCs let you borrow against the line for 10 years (interest-only payments allowed), then repay the principal over the next 20.
Variable rate, real payment
HELOC rates are usually variable. Build in a 1–2 point buffer when planning your future payment so you're not caught flat-footed.

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