Borrow against home equity
Home Equity & HELOC Calculators
Home equity is the difference between a property’s value and debt secured by it, but accessible equity depends on lender limits, product rules, fees, and the risk of placing the home behind another obligation.
5 free tools
Choose a calculator
HELOC Calculator
Estimate draw-period interest, repayment payments, fees, and available credit.
Open calculatorHome Equity Loan Calculator
Estimate fixed payments, interest, fees, proceeds, and borrowing cost.
Open calculatorHome Equity Borrowing Calculator
Estimate accessible equity and capacity under a combined LTV limit.
Open calculatorHELOC vs. Home Equity Loan Calculator
Compare modeled payments and total costs for two equity products.
Open calculatorReverse Mortgage Calculator
Project proceeds, balance growth, accrued costs, and remaining equity.
Open calculatorA practical sequence
How to use these tools
- 1
Estimate accessible equity
Apply a conservative combined loan-to-value limit to the home value and existing secured debt.
- 2
Choose a product structure
Compare revolving, variable-rate HELOC borrowing with a fixed home-equity installment loan.
- 3
Stress-test repayment
Model rate changes, draw-period behavior, repayment payments, fees, and balance growth.
Frequently asked questions
What is combined loan-to-value?
CLTV divides all debt secured by the property by its value. It is a planning input, not a universal approval threshold.
Is a HELOC payment fixed?
Usually not. Draw-period payments and variable rates can change, and repayment-period payments may be materially higher.
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These calculators provide educational estimates, not offers, approvals, quotes, or individualized financial, tax, legal, insurance, or investment advice. Confirm important decisions with current documents, official sources, and qualified professionals.