Home Equity Calculator
Calculate your home equity, loan-to-value ratio, and available equity for borrowing or refinancing.
Calculator
Calculator Details
Enter your information to calculate results
Results
$150000
Current Home Equity
37.5% of home value
62.5%
Loan-to-Value Ratio
$70000
Available to Borrow
Monthly Principal Payment:$1062.50
Monthly Interest Payment:$937.50
Future Home Value (5 years):$463710
Future Equity (5 years):$285052
How It Works
Home equity is calculated as:
- Current home value minus remaining mortgage balance
- Equity increases through mortgage payments and home appreciation
- Available borrowing typically limited to 80% loan-to-value ratio
Examples
Example: $400,000 home value, $250,000 mortgage balance
Current equity: $150,000 (37.5%)
Available to borrow: $70,000 (up to 80% LTV)
Compare
Compare home equity loan vs. HELOC vs. cash-out refinance options for accessing your equity.
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