How much can I borrow on a HELOC?

A standalone HELOC can go up to 65% of your home's value, and combined with your mortgage can't exceed 80%. Your available room is the lower of the two minus your balance.

Is a HELOC a good idea?

A HELOC offers flexible, lower-rate access to equity for renovations or emergencies, but the variable rate and interest-only minimums require discipline.

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HELOC Calculator

How much you can borrow against your home.

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How to use this calculator

Enter your home value.
Enter your current mortgage balance.
See your estimated available HELOC.

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Frequently asked questions

How much can I borrow on a HELOC?: A standalone HELOC can go up to 65% of your home's value, and combined with your mortgage can't exceed 80%. Your available room is the lower of the two minus your balance.
Is a HELOC a good idea?: A HELOC offers flexible, lower-rate access to equity for renovations or emergencies, but the variable rate and interest-only minimums require discipline.