Home Equity Calculator

Calculate your current home equity, loan-to-value ratio, and potential for a home equity loan or HELOC.

Free • Accurate • Instant Results

Home Equity Inputs

Current Home Value

Remaining Mortgage Balance

Home Equity

💎

$170,000

Loan-to-Value (LTV)

📊

62.22%

Est. Max HELOC/Loan

🏦

$102,500

At 85% combined LTV

Mortgage Balance

🏠

$280,000

🤖

AI Insights

Personalized analysis based on your inputs

✅

Equity Position

Your LTV is 62.2%. Below 80% LTV typically means no PMI and strong borrowing options.

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Formula Used

Home Equity & LTV

Equity = Home Value − Mortgage Balance; LTV = Mortgage / Value × 100

Variables

LTV= Loan-to-Value ratio

Example

$450,000 value − $280,000 balance = $170,000 equity (62% LTV)

Frequently Asked Questions

Most lenders allow borrowing up to 80-85% combined LTV (existing mortgage + new loan) for HELOCs or home equity loans.

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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates based on inputs you provide. They are not financial, tax, investment, or legal advice. Consult a qualified financial professional before making financial decisions. Actual results may vary based on market conditions, tax laws, and individual circumstances.