Home Equity Calculator

How much equity can you access?

If your home is worth more than you owe, that difference is equity — and you can often borrow against it up to 90% of your home's value. Enter your numbers to see how much you could tap and what the payment would look like. Nothing is saved, sent, or pulled.

Your home

Two numbers get you an answer. Adjust the borrow amount if you don't need the full sum.

Estimated home value

$200k$4M

A recent appraisal, an agent's estimate, or a site like Zillow gets you close. The lender will order a formal valuation.

Current mortgage balance

$0$4M

What you still owe on your existing loan (or loans). Enter $0 if the home is paid off.

Amount to borrow

$0up to 90% CLTV

Starts at the maximum available. Slide down to see the payment on a smaller amount.

Repayment term

Equity you could access

up to 90% combined loan-to-value

Where you'd stand

Current balance New equity loan 90% ceiling

Max borrowing at 90% CLTV$0

Less your current balance$0

Available to access$0

Amount you borrow$0

Estimated monthly payment$0

Combined loan-to-value after0%

Payment shown at an example 7.00% rate · 7.40% APR. Illustration only — not a rate quote.

No room under 90% CLTV right now. Your current balance is already at or above 90% of the value you entered. As you pay down the loan or the home appreciates, equity opens up.

You're borrowing less than the max. That's often the smart move — a smaller balance means a lower payment and more equity left untouched.

See my real equity options Or start your application →

No credit pull to start · takes about 10 minutes

An example rate, not an offer The 7.00% rate and 7.40% APR shown here are illustrative figures for estimating a payment — not a quote, a lock, or an offer to lend. Your actual rate and APR depend on your credit, combined loan-to-value, loan amount, occupancy, and the specific program, and they change with the market. A home equity loan is secured by your home, which means the home is at risk if the loan isn't repaid. Call Justin for a real quote on your situation.

How this is calculated. Available equity is 90% of the home value you enter, minus your current mortgage balance (combined loan-to-value, or CLTV). The estimated payment is a fully amortizing principal-and-interest figure on the amount you choose to borrow, at a 7.00% note rate over the selected term. The 7.40% APR is a Truth-in-Lending disclosure figure that reflects the rate plus estimated finance charges; it is shown for comparison and is not used to calculate the payment, which is why the two differ.

Important: 90% CLTV is shown as an illustrative maximum — actual maximum CLTV, loan amounts, rates, and APRs vary by lender, program, credit profile, occupancy (primary, second home, or investment), property type, and lien position, and are subject to change without notice. This is not a pre-approval, a commitment to lend, a rate quote, or an offer of credit, and not all applicants qualify. The payment excludes property taxes, homeowners insurance, and any HOA dues, which are typically paid separately. A home equity loan or line is secured by your home; failure to repay can result in the loss of your home. Consult your loan officer and, where appropriate, a tax or financial professional before borrowing against your equity. Equal Housing Opportunity.