Home Equity Calculator

Home Equity Calculator

How much equity do you have in your home?
This calculator will help you determine how much equity you have in your home that you can borrow against.

Asterisk (*) indicates required fields.

TipHome Value - Estimate what the market value of your home is, if you were to sell your home today. For help, use the free home price check tool www.homepricecheck.com from our partner, RealEstate.com.
TipPrincipal due on first mortgage - Enter the balance due on your main mortgage. You can estimate this amount, but for more accurate results, check your most recent bill for "principal due" or "amount for payoff."
TipPrincipal due on second mortgage or line of credit - Enter the balance due on any current home equity loan or line of credit you have. You can estimate this amount, but for more accurate results, check your most recent bill for "principal due" or "amount for payoff."
The general rule is you can borrow 75 - 80% of your home's current appraised value, minus what you owe on your first mortgage. This is called the loan-to-value ratio (LTV). Some lenders may let you borrow up to 100% of your home's value. Please note, if you choose that option and must move because of a job transfer or other reason, the sale of your home may not provide you with enough money to pay off both your mortgage and the outstanding home equity loan.

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