Home equity calculator

Estimate Your Available Home Equity

Use this simple estimate to understand how home value and mortgage balance can affect possible equity. Lender rules vary, and this is not an approval or offer.

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$450,000

$180,000

Estimated possible equity at 85% CLTV

$202,500
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How the estimate works

This calculator uses a simple example: 85% of estimated home value minus mortgage balance. Some lenders may use different combined loan-to-value limits, property valuation methods, minimum and maximum loan amounts, or state restrictions.

This calculator is for education only. It is not a commitment to lend, a rate quote, or a guarantee of available funds.