Home Equity Loan Calculator — LTV Limits & Equity Stack Visualization

Calculate how much home equity you can borrow with a fixed-rate home equity loan. See max LTV by credit profile, monthly payment, and an equity stack bar.

✓ Formula verified: January 2026For informational purposes only

Home Equity Loan

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Enter Values

Current Home Value*Estimated current market value of your home. Use a recent appraisal, Zillow Zestimate, or Redfin estimate for the most accurate result.

Current Mortgage Balance*Remaining balance on your first mortgage. You can borrow against the equity above this amount. Check your most recent mortgage statement for the exact payoff balance.

Your Credit Profile*Lenders set maximum combined loan-to-value (CLTV) based on your credit score. Higher scores unlock more equity access and better interest rates.

Desired Loan Amount*How much equity do you want to borrow? This will be checked against the maximum CLTV limit for your credit profile. If it exceeds the limit, the approved amount will be capped.

Interest Rate*Home equity loan rates are typically 1–3% higher than first mortgage rates. Rates are fixed for the full term, unlike HELOCs which use variable rates.

Loan Term*Home equity loans are typically 10–20 years. Longer terms lower your monthly payment but significantly increase total interest paid over the life of the loan.

Closing CostsHome equity loans have closing costs — typically 2–5% of the loan amount. These include appraisal, origination fee, title search, and recording fees. Costs may be rolled into the loan balance.

Monthly Payment

$1,066.86 (costs rolled in)

Maximum Available

▲ $90,000

Approved Loan Amount

▲ $50,000

Combined LTV (CLTV)

▲ 75.0%

Total Equity

$150,000

Remaining Equity After Loan

▲ $100,000

Total Interest Paid (Full Term)

▼ $12,012

Closing Costs

$2,000

Max CLTV (Based on Credit)

85%

What if your current home value changes? $360000 → $1,066.86 (costs rolled in) · $400000 → $1,066.86 (costs rolled in) · $440000 → $1,066.86 (costs rolled in)

Scenario Comparison

Conservative (5%)

$16,470.09

$6,470.09 interest

Your scenario (7%)

$20,096.61

$10,096.61 interest

Aggressive (10%)

$27,070.41

$17,070.41 interest

High-risk (14%)

$40,224.71

$30,224.71 interest

Best return

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Home Equity LoanMonthly Payment: $1,066.86 (costs rolled in)