Home Equity Calculator

Calculate your home equity, LTV ratio, and available borrowing power

Know your home's true value
Property & Loan Details
Current Home Value ($)
Mortgage Balance ($)
Home Value Trend
Lenders typically allow borrowing up to 80-85% of your home's value for HELOC or home equity loans
Your Equity Analysis
Total Home Equity
$0
0% of home value
Loan-to-Value (LTV) Analysis
Available Equity by Loan Type
Loan Type Max LTV Available Equity Max Loan Amount
Quick Scenarios
Loan-to-Value Ratio
See your LTV percentage and lender requirements
Available Equity
Know how much you can borrow with HELOC or home equity loan
Future Value Projection
See equity growth with property value appreciation

Frequently Asked Questions

What is home equity?
Home equity is the portion of your home that you truly own. It's calculated as your home's current market value minus any outstanding mortgage balance. As you make payments and your home appreciates, your equity increases.
What is Loan-to-Value (LTV) ratio?
LTV is your mortgage balance divided by your home's value, expressed as a percentage. Lower LTV means more equity. Most lenders require LTV below 80-85% for home equity loans or HELOCs.
How much equity can I borrow?
Most lenders allow borrowing up to 80-85% of your home's value minus your mortgage balance. This calculator shows available equity for different loan types like HELOC (80-85% LTV) and home equity loans (80-90% LTV).
What affects my home equity?
Home equity grows through: paying down your mortgage principal, property value appreciation, home improvements, and market conditions. It decreases with additional borrowing or property value declines.
Is this calculator free?
100% free! No registration, no hidden costs. Use it to plan your home equity borrowing and understand your financial position.
How accurate is this calculator?
This calculator provides estimates based on standard lending practices. For exact numbers, consult with lenders and get professional appraisals for accurate home value.
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Home Equity Calculator - Know Your Borrowing Power

Our Home Equity Calculator helps you determine how much equity you have in your home and how much you may be able to borrow. Whether you're considering a HELOC, home equity loan, or cash-out refinance, understanding your equity position is crucial.

How it works: Enter your home's current value and mortgage balance. The calculator instantly shows your total equity, loan-to-value ratio, and available borrowing power based on standard lender requirements (80-90% LTV limits).

Perfect for: Homeowners considering renovations, debt consolidation, education expenses, or any major purchase using home equity. Also useful for refinancing decisions and financial planning.

Key metrics: Total home equity, equity percentage, loan-to-value ratio, available equity for HELOC, home equity loans, and cash-out refinance options. See how property appreciation affects your equity position.