Calculate your home equity, loan-to-value ratio, and accessible funds in seconds. Perfect for homeowners planning renovations, investments, or financial planning.
Typically lenders allow up to 80-85% LTV
$200,000
The current value you own in your property after subtracting your mortgage balance.
60%
The ratio of your mortgage balance to your property value. Lower is better.
$100,000
Based on your desired LTV, this is the amount you could potentially access.
Home equity represents the portion of your property that you truly own. It's calculated by subtracting your remaining mortgage balance from the current market value of your home. This valuable asset grows as you pay down your mortgage and as your property appreciates in value.
Our free Home Equity Calculator helps you determine exactly how much equity you've built in your home. Whether you're planning home improvements, consolidating debt, investing in education, or preparing for retirement, understanding your home equity is the first step toward achieving your financial goals.
Lower interest rates by consolidating high-interest debts with a home equity loan.
Fund renovations that increase your property's value and quality of life.
Invest in education for yourself or your family members.
Access capital for business ventures or investment properties.
Home equity loans allow you to borrow against the equity you've built in your home. These typically offer lower interest rates than credit cards or personal loans because they're secured by your property. Lenders usually allow you to borrow up to 80-85% of your home's value, minus your mortgage balance.
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