HELOC Calculator
Estimate a HELOC borrowing limit based on home value and LTV, plus simple payment scenarios. A HELOC calculator estimates how much you may be able to borrow using a loan-to-value (LTV) limit and your current mortgage balance. It can also estimate payments for simple interest-only or amortized scenarios, depending on how your HELOC is structured.
Inputs
$
$
%
Payment scenario (optional)
$
%
Results
Estimated max HELOC line
$100,000.00
Drawn amount$50,000.00
Estimated payment$375.00/mo
Interest-only payment: $375.00/mo · Amortized: $633.38/mo
Max line is estimated as (home value × LTV%) − current mortgage balance.
How to use it
- Enter your home value, current mortgage balance, and max LTV %.
- Review the estimated maximum credit line.
- Optionally enter an amount drawn and an interest rate to estimate payments.
- Adjust inputs to compare scenarios quickly.
FAQ
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Disclaimer
Estimates only. HELOC pricing and availability depend on lender terms, credit, and appraisal results. Not financial advice.