Estimate how much equity you can borrow against. Free, private, and runs entirely in your browser.
Lenders cap your combined loan-to-value ratio. Available equity = home value × max LTV − existing mortgage balance.
What LTV do lenders allow? Commonly 80–85% combined LTV, varying by lender.
HELOC or home equity loan? A HELOC is a revolving line with variable rates; a home equity loan is a lump sum with a fixed rate.