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How much can I borrow with a HELOC?
A HELOC is sized against your home's value: the lender takes a percentage of it, its combined loan-to-value cap, and subtracts everything you already owe on the home. See the line at several caps, and what the payment would be if you drew all of it.
Your home
The lender uses its own appraisal or valuation, which may differ from your estimate.
Enter 0 if the home is paid off.
A second mortgage, home equity loan, or an existing HELOC balance. They count against the cap too.
The line
LENDER-SPECIFICShown alongside 80%, 85%, 90%. Those three are comparison points, not rules: each lender sets its own cap, so ask yours.
For the payment estimates.
From your agreement. The CFPB says often 10 or 15 years.
Add your home's value and what you owe on it to see the line at each combined loan-to-value cap.
All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.
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HELOC or cash-out refinance?
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Should I use a HELOC to pay off debt?
Trade a high rate for a lower one — and see the payment jump when the draw period ends.
What's my blended rate?
Weight every rate by its balance, and see which debts the interest really comes from.
How much house can I afford?
Turn your income, debts, and down payment into a realistic price range.