How much HELOC can I get?
You can typically borrow up to 80–90% of your home’s value minus your mortgage balance. Enter your numbers to estimate your home equity line of credit — instantly, with nothing uploaded.
You may be able to borrow up to
$132,500
with a HELOC or home equity loan, at a 85% combined loan-to-value limit.
How your $450,000 home value breaks down
- Your equity
- $200,000
- Max total loans (85%)
- $382,500
- Already owed
- $250,000
Lenders set final limits based on credit, income and a home appraisal.
How your HELOC limit is calculated
Lenders cap the combinedloan-to-value (CLTV) — your mortgage plus the new line of credit — at a percentage of your home’s appraised value, usually 80–90%. The formula is:
available HELOC = (home value × max CLTV%) − mortgage balance
The result is an estimate of your borrowing power. Your actual limit, rate and approval depend on your credit score, income, debt-to-income ratio and a lender’s appraisal.
Compare HELOC & home equity rates
Rates and limits vary widely by lender and state. Comparing multiple offers is the single biggest factor in what you’ll actually pay.
Lender comparison coming soon.
Frequently asked questions
How much HELOC can I get?+
Most lenders let you borrow up to 80–90% of your home's value minus what you still owe on your mortgage. For example, on a $450,000 home with a $250,000 mortgage at an 85% combined loan-to-value (CLTV) limit, your maximum total debt is $382,500, leaving about $132,500 available as a HELOC or home equity loan.
What is combined loan-to-value (CLTV)?+
CLTV is the total of all loans secured by your home (your mortgage plus any HELOC or home equity loan) divided by the home's value. Most HELOC lenders cap CLTV at 80–90%. A lower CLTV usually means a better rate.
Does a HELOC depend on my credit score and income?+
Yes. The calculator estimates the maximum based on your equity, but lenders also weigh your credit score, debt-to-income ratio and a home appraisal. Many require a credit score around 680+ and a DTI under 43%.
HELOC vs. home equity loan — which gives more?+
Both are limited by the same CLTV cap, so the maximum you can borrow is similar. A HELOC is a revolving line you draw from as needed (variable rate); a home equity loan is a one-time lump sum (fixed rate).
More home equity calculators
HELOC Payment Calculator
→Interest-only draw payment vs. principal + interest repayment.
Home Equity Loan Calculator
→Fixed monthly payment on a lump-sum home equity loan.
Cash-Out Refinance Calculator
→New loan, new payment and cash out from a refinance.
Refinance Break-Even Calculator
→Months to recoup closing costs after a refinance.
HELOC vs. Home Equity Loan
→Side-by-side: revolving line vs. fixed lump sum.
HELOC vs. Cash-Out Refinance
→Side-by-side: second lien vs. replacing your mortgage.