HELOC Loan Calculator – Estimate Your Available Equity
Find Out How Much You Can Borrow with a HELOC
A Home Equity Line of Credit (HELOC) allows you to borrow against your home’s equity, providing flexible access to cash when you need it. Use our HELOC Loan Calculator to estimate your available credit limit, monthly payments, and interest costs based on your property value, existing mortgage balance, and loan-to-value (LTV) ratio.
Whether you need funds for home improvements, debt consolidation, real estate investments, or other expenses, our HELOC calculator helps you determine how much you can borrow.
How the HELOC Loan Calculator Works
1?? Enter your home’s estimated value
2?? Input your current mortgage balance
3?? Select your desired CLTV (Combined Loan-to-Value) ratio
4?? Get an estimate of your available HELOC amount
Why Choose a HELOC?
? Flexible Access to Funds – Borrow what you need, when you need it
? Lower Interest Rates – Compared to personal loans or credit cards
? Interest-Only Payment Options – Reduce your monthly payments
? Available for Primary, Second Homes & Investment Properties
? Fast & Easy Online Approval
Types of HELOC Loans Available
?? Traditional HELOC – Draw funds as needed with variable rates
?? Non-QM HELOC – Qualify with bank statements, 1099s, or DSCR
?? Instant HELOC – No appraisal required, close in as little as 1 day for investors
Eligibility for HELOC Loans
? Available for Primary Residences, Second Homes & Investment Properties
? Loan Amounts Up to $4M
? Max CLTV Up to 85% for Primary Homes, 80% for Second Homes, and 75% for Investment Properties
? Interest-Only & Fixed Rate Payment Options Available
Get Started – Apply for a HELOC Loan Today!
Use our HELOC Loan Calculator to estimate your available credit and connect with our mortgage experts to secure the best HELOC for your needs.
?? Calculate Your HELOC & Apply Now!
Get Your Quick Quote
Real-time mortgage pricing across conventional, FHA/VA, DSCR, bank statement, non-QM and more. Compare options and move to a full application when ready.
Programs We Price
Conventional, FHA, VA, USDA, jumbo, investor DSCR, bank statement, asset depletion, non-QM, HELOCs and more.
How Quotes Work
We use your scenario (location, credit band, property/occupancy, LTV) to match eligible programs and display live-like rates.
Next Steps
Lock a rate or continue to the full 1003. Your MLO team helps optimize terms and documentation for a smooth closing.