Mortgage Lab
Home-equity calculator
Estimate current and loan-to-value from a home value and mortgage balance.
Planning result
$200,000 equity · 60% LTV
- Estimated equity
- $200,000
- Current LTV
- 60%
Equity is estimated value minus mortgage balance. LTV is the balance as a share of estimated value.
How much could you potentially access with a HELOC?
CLTV compares the total of your existing mortgage and a hypothetical HELOC with your estimated home value. The selected percentage is a scenario assumption, not a lender limit.
How a HELOC works
A HELOC is a revolving line of credit secured by your home. Actual availability depends on property value, existing mortgage balance, a lender's CLTV limit, credit, income and other qualification requirements.
This calculator estimates potential borrowing room. It is not an approval or a statement of a specific HELOC program limit.
Interested in accessing your equity?
Jesse can help you review the numbers for your situation.
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How to interpret the result
Estimated is not the same as available borrowing capacity. Property value, liens, costs, product limits, credit, income, and can change the amount available.
Related mortgage planning tools
Calculator results are educational estimates based on the values entered. They are not a , approval, rate quote, or commitment to lend.
