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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.

Home value

Mortgage balance

Max combined LTVusually 80–90%

Conservative · 70%Aggressive · 95%

You may be able to borrow up to

$130,500

with a HELOC or home equity loan, at a 85% combined loan-to-value limit.

How your $450,000 home value breaks down

Already owed · $252,000 Available · $130,500 Above 85% cap · $67,500

Your equity: $198,000
Max total loans (85%): $382,500
Already owed: $252,000

How to compare offers→

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.

How to compare HELOC & home equity offers

Rates and limits vary widely by lender and state. Comparing multiple offers is the single biggest factor in what you’ll actually pay.

What to compare before you sign

Look at the ongoing rate, not the teaser. Many HELOCs advertise a low intro APR for 6–12 months, then switch to a variable rate (the prime rate plus a margin). Compare the margin and the lifetime rate cap — that's what you'll pay for years.
Check the draw and repayment terms. How long you can borrow (the draw period, often 10 years) and how long you have to repay it. Interest-only draws keep early payments low but raise them sharply later.
Add up every fee. Annual fees, closing costs, appraisal fees and early-closure penalties vary widely. A slightly higher rate with no fees can beat a low rate loaded with costs.
Get at least three quotes. Rates and CLTV limits differ by lender and by state. Comparing several offers is the single biggest factor in what a HELOC actually costs you.

Free, unbiased basics: CFPB: comparing home equity options.

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).