Home equity calculator

Your available HELOC credit depends on your home value, remaining mortgage balance, and the maximum combined loan-to-value ratio your lender allows. Enter your numbers below to get an illustrative estimate of how much credit you might access.

Estimated home value ($)Remaining mortgage balance ($)Max combined loan-to-value — CLTV (%)

Home equity: $150,000

Current LTV: 62.5%

Estimated available HELOC credit: $90,000

Illustrative estimate only — lenders set their own CLTV limits and underwriting criteria. Not an offer to lend.