HELOC calculator
Estimate your home equity line of credit in seconds. Enter your numbers below, or pick your state to start from the typical local home value.
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
- Your equity
- $198,000
- Max total loans (85%)
- $382,500
- Already owed
- $252,000
Lenders set final limits based on credit, income and a home appraisal.
HELOC calculator by state
Home values — and therefore how much equity you can tap — vary widely by state. Pick yours for a calculator pre-filled with the typical local home value (Zillow ZHVI, April 2026).
Curious how your state stacks up? See our 2026 ranking of HELOC borrowing power by state.
More home equity calculators
How Much HELOC Can I Get?
→See your borrowing power from home value minus your mortgage.
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.
Home equity guides
How Does a HELOC Work?
→Draw period, repayment, rates and limits — explained simply.
What Is CLTV (Combined Loan-to-Value)?
→The ratio that decides how much you can borrow.
HELOC Requirements: Credit Score, Equity & Income
→Credit score, equity, DTI and income lenders look for.
Is a HELOC a Good Idea? Pros and Cons
→The real pros, cons and when a HELOC makes sense.
How to Get a HELOC: Step by Step
→The full process, from checking equity to drawing funds.
What Can You Use a HELOC For?
→Smart uses, risky uses, and the tax angle.