🇺🇸 HOME EQUITY · UNITED STATES

United States Home Equity & HELOC Calculator

Estimate accessible equity and a possible line-of-credit payment.

Free to useNo sign-upPrivate by design

Enter your numbers

✎

Current home value

Mortgage balance

Maximum combined LTV

◇ Your values stay in this browser.

Compare the numbers that matter

Current equity

$110,000

02 · KEY VIEW

Available to borrow

$29,700

Combined LTV

$39,600

Interest-only payment

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Plain-English guidance

Everything needed to review the estimate before making a decision.

Home equity

Learn what this number means and how it is calculated.

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CLTV

See the assumptions that have the greatest effect.

Read guide →

Draw period

Compare a realistic low, middle and high scenario.

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Variable rate

Know what to verify before you take the next step.

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A transparent estimate, built for comparison

This mockup keeps the approved BMI structure: focused inputs on the left, a visual result on the right, then comparison cards and education below. Final formulas and official US sources will be verified before publication.

Editorial checklist

✓ Formula and edge cases tested

✓ Primary government sources cited

✓ Assumptions shown beside the result

✓ Review date visible on the page

Official-source readyDesigned for IRS, SSA, CFPB, CDC and other primary references.

Privacy firstInputs remain on your device unless you choose to share.

Mockup statusVisual and interaction concept—formula validation still required.