HomeExpertly
www.homeexpertly.com

Home Equity Calculator (USA)

See exactly how much equity you have built, your loan-to-value (LTV), and how much you could tap with a HELOC or home equity loan. Includes appreciation since purchase, combined LTV, and your borrowing power at any lender cap.

For estimation purposes only. Home values, LTV caps, and lender terms vary. Verify comps and consult a licensed lender.
1 Your home
yr
2 What you owe
3 Borrowing power
%
60%80%95%
Total home equity
—
Enter your details and click Calculate
Equity highlights
Total equity —
Equity % —
Available to borrow —
Combined LTV —
Appreciation —
Annualized growth —
How your home value divides
Calculate to see breakdown
Equity position
Current home value—
Primary mortgage—
2nd mortgage / HELOC—
Total liens (owed)—
Equity %—
Total home equity—
Loan-to-value & borrowing power
Current LTV (primary)—
Combined LTV (CLTV)—
Max combined LTV (cap)—
Max total borrowing—
Locked equity (below cap)—
Available to borrow—
Appreciation & gain
Original purchase price—
Current home value—
Appreciation (%)—
Years owned—
Annualized growth (CAGR)—
Total appreciation—
Borrowing scenario
Desired new loan / HELOC—
New combined balance—
CLTV after borrowing—
Remaining equity after—
Remaining tappable—
Verdict—
Visualizations
Where your home value goes
Equity vs. debt
Disclosure: This calculator provides estimates for informational purposes only and does not constitute financial advice or a loan commitment. Available borrowing depends on your lender's CLTV cap, credit, income, and underwriting. Home values, appreciation, and lender terms depend on comps and market conditions. Consult a licensed lender.