Home Equity Calculator

Calculate your usable home equity for a HELOC or cash-out refi.

Current Home Value ($)

Mortgage Balance ($)

Other Liens ($)

Total Equity

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LTV Ratio

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Equity %

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Available at 80% CLTV

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Available at 90% CLTV

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How it works

CLTV (combined loan-to-value) sums all loans against the property. Most HELOCs cap at 80–90% CLTV. The available-at-CLTV figures show how much you could potentially borrow before hitting that ceiling.

For informational purposes only. Not financial advice.