HELOC calculator: how much can I borrow?
Enter your home value and what you owe to estimate the line you may qualify for. Then check your actual eligibility with a soft pull that won't affect your credit.
Estimate only, capped at the program maximum of $750,000. Not an offer or commitment to lend.
How this estimate is calculated
Lenders cap the total of all loans on your home at a percentage of its value, called the combined loan-to-value (CLTV) limit. The calculator multiplies your home value by the CLTV you select and subtracts what you already owe. The result is capped at the program maximum of $750,000.
(Home value × CLTV) − existing balances = estimated maximum line
What changes your real number
- Your credit score — credit affects pricing and the limits you're offered.
- Occupancy — primary residences usually allow higher CLTV than second homes or investment properties.
- Your state — Texas homestead loans are limited to 80% CLTV.
- The valuation — lines of $400,000 or less generally use an automated valuation or broker price opinion rather than a full appraisal.
- Debt-to-income ratio — your income must support the payment.
More calculators
Frequently asked questions
How accurate is this HELOC calculator?
What CLTV should I use?
Does using the calculator affect my credit?
Keep reading
Not ready to apply? Request a call.
Tell me a little about your home and what you want to use the funds for. I'll call you, answer your questions, and let you know whether a HELOC makes sense — before any credit check.
- Straight answers from a licensed loan originator, not a call center
- No credit pull to talk through your options
- If a HELOC isn't the right fit, I'll tell you
Prefer to start now? Apply online — soft pull