Home Equity Calculator
Your ownership stake, and what you could borrow against it.
Your home equity:
Equity as % of home:
Potential borrowing power:
How to use this calculator
Enter your home value, mortgage balance and the max LTV lenders allow, then press Calculate. Equity, equity percentage and borrowing power are shown.
What the result means
Equity is what you own of the home. Borrowing power is what lenders might advance against it — useful for home equity loans or HELOCs, but it's debt, not free money.
Frequently asked questions
What's a good LTV for borrowing?
Lenders commonly allow up to 80% combined loan-to-value for home equity products.
Is borrowing against equity risky?
It's secured debt — if you can't repay, you could lose the home. Borrow only for purposes with a clear return.