Use all secured balances
Enter the total of your mortgage and any other debt secured by the home. A statement balance is a useful estimate; a lender’s payoff figure may differ.
Home / Equity calculatorTHE MYHOMEEQUITY TOOLKITYour numbers.
Your numbers.
A clearer picture.
Explore your estimated equity and borrowing room. Change the inputs to see how home value, existing balances, and a hypothetical lending limit interact.
Estimate
Home Equity Calculator
Get a quick estimate of how much equity you may be able to access. For accurate figures, consult a licensed lender.
* This calculator provides estimates only and is not a commitment to lend. Actual amounts depend on appraisal, credit, income, and lender requirements. Consult a licensed mortgage professional for personalized advice.
Your Current Equity
$150,000
LTV: 57% — Good position
Estimated Accessible Equity
$80,000
Based on 80% LTV limit
Understand the next step
Understand how a HELOC, home equity loan, and cash-out refinance differ before comparing offers.
Compare the options →PUT IT INTO PRACTICE01 02 03 Explore the guide library ↗
An estimate is a starting point. Here’s how to use it.
Treat the lending limit as a scenario
The selected percentage is an assumption, not an offer or an eligibility rule. Actual limits depend on the lender, product, property, location, and borrower.
Keep costs and affordability separate
The borrowing-room estimate does not subtract fees or tell you whether payments fit your budget. Compare payment schedules and closing costs before deciding what to borrow.