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Home Equity Calculator - Calculate Your Equity

Free home equity calculator. Calculate how much equity you have in your home and how much you can borrow against it.

Calculate your home equity

Enter your values to see results

and click the "Calculate" button

Home Equity Calculator

Calculate your home equity - the portion of your home you actually own. Equity grows as you pay down mortgage and home value increases.

Equity = Home Value - Mortgage Balance - Other Liens

LTV = Loan Balance / Home Value. Most lenders require 80% LTV or less, meaning 20%+ equity.

How can I access my equity?

HELOC (line of credit), home equity loan, or cash-out refinance. Each has different rates, terms, and tax implications.

How much equity can I borrow?

Most lenders limit combined LTV to 80-85%. If home is worth $400K, max debt = $320-340K.

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