Home Equity Calculator
How much equity do you have in your home? Enter value and loan information to see a ballpark equity amount and estimates for equity-based loans.
Home Information
Estimated Home Equity
That portion of your home you truly own outright.
$165,000
Available Equity Based on Loan-to-Value
Estimated total amounts of equity you may be able to borrow against.
80% LTV
$79,000
85% LTV
$100,500
90% LTV
$122,000
95% LTV
$143,500
Available Equity Based on Loan-to-Value
Lenders typically allow you to borrow between 80% and 85% of your home's appraised value, minus your current mortgage balance. Your total debt across all mortgages cannot exceed this limit, which is known as your combined loan-to-value (CLTV) ratio, and you will usually need to leave at least 15% to 20% of your equity untouched. This calculator provides rough, ballpark estimates for informational purposes only and is not an offer to lend or a commitment of any kind. Actual borrowing limits, rates, and terms vary by lender and depend on your credit, income, and other factors. Consult a qualified mortgage professional before making financial decisions.