HELOC Calculator
Estimate HELOC borrowing power, draw-period payment, repayment payment, total interest, and current LTV from a few core inputs.
Last updated: 2026-03-27
HELOC calculator
Enter your values
Estimate how much home equity may actually be borrowable under a simple combined-LTV cap, then compare the draw and repayment payments.
Estimated available line
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Enter your home value, mortgage balance, credit tier, rate, and draw period to estimate a HELOC line and payment range.
Calculation History(0)
Example calculations
Tap an example to prefill the calculator with sample values.
Mid-range equity access
Good credit with a standard 10-year draw period
A homeowner wants to know how much room a typical combined-LTV cap leaves for renovations or emergency liquidity.
Result: The output separates the interest-only draw payment from the later repayment payment.
Tighter credit box
Fair credit leaves less borrowing room
Useful when the borrower knows the rate but needs to see how lender CLTV limits may compress the available line.
Result: A smaller line and higher payment pressure make the tradeoff much clearer.
High-equity homeowner
Excellent credit with a large equity cushion
A planning case where the borrower has built substantial equity and wants to estimate the line size before talking to lenders.
Result: The larger equity buffer widens the available line but still leaves a meaningful repayment phase to plan for.
How the HELOC estimate works
The calculator first applies a simple credit-tier-based combined loan-to-value cap to the home value, then subtracts the current mortgage balance to estimate how much room is left for a HELOC line.
It next shows an interest-only draw payment and a later amortized repayment payment, assuming a 30-year total HELOC term. The output is meant for planning and comparison, not for lender-ready underwriting.
HELOC calculator FAQs
Use these answers to interpret the line estimate, LTV framing, and payment transition carefully.
How is available HELOC line different from total home equity?
Total equity is your home's value minus the current mortgage balance. A HELOC line is usually smaller because lenders cap the combined loan-to-value ratio, which means some of your equity stays untapped even if it exists on paper.
Why are there two payment figures?
Many HELOCs allow interest-only payments during the draw period, then shift into a repayment phase that amortizes the borrowed balance over the remaining term. The later repayment payment is often much higher, so showing both numbers matters.
Is this a lender quote or financial advice?
No. This is a planning estimate only. Real HELOC offers can vary because of fees, variable-rate structures, lender-specific CLTV rules, property type, state rules, and underwriting requirements.
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Financial disclaimer
This calculator is for educational purposes only and is not financial advice, credit advice, or a lender quote.
Rates, fees, CLTV caps, repayment structures, and underwriting rules vary by lender and borrower profile. Verify any real borrowing decision with a qualified lender or advisor.