Home equity calculator

Estimate your available home equity and how much you might borrow, based on your home's value, your mortgage balance, and a lender's maximum loan-to-value.

You could borrow up to$125,000
Your equity$200,000
Current loan-to-value60%

Get the best home equity deal

Drop your email and we'll help you find a credit union you can join. Free.

By continuing you agree that FindMyCU may share your request with matched credit unions, who may contact you about home equity, and to our Privacy Policy. We never sell your data.

Frequently asked questions

How much home equity can I borrow?

Lenders typically let you borrow up to 80–90% of your home's value minus your mortgage balance. Credit unions often offer competitive HELOC rates.

Estimates are for illustration only and assume monthly compounding; actual terms vary by credit union. Not financial advice.