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HELOC Home › Calculators

HELOC calculators

Estimate your borrowing power, monthly payments, and potential savings, then apply online when you’re ready.

How much can I borrow?

Estimate your available HELOC line from your home value and mortgage balance.

Estimated home value $
Current mortgage balance $
Max combined loan-to-value %
Estimated available line
$0
Based on up to 90% of your home’s value
Mortgage Available HELOC
Current home equity$0
Max borrowing at 90% CLTV$0
Program range$50k–$750k
Apply for a HELOC

What will my payment be?

HELOCs are usually interest-only while you draw, then principal & interest during repayment.

Amount drawn $
Interest rate (APR) %
Draw period (interest-only) yr
Repayment period yr
Interest-only payment · draw period
$0/mo
While you’re in the draw period and borrowing
Principal & interest · repayment$0/mo
Draw period length10 yrs
Repayment length20 yrs
Est. total interest (repayment)$0
Interest-only payments keep costs low while you draw, but don’t reduce your balance. Your payment rises when repayment begins.
See my live rate

Could a HELOC save me on interest?

Compare the interest on high-rate debt with a lower-rate HELOC.

Debt to consolidate $
Current average APR %
HELOC APR %
Estimated monthly interest savings
$0
$0 per year in interest
Current monthly interest$0
HELOC monthly interest$0
First-year interest saved$0
Apply now

These calculators provide estimates for educational purposes only and are not an offer, pre-qualification, or commitment to lend. Interest-only and repayment figures assume a fixed rate for illustration; actual HELOC rates are variable and your payment may change. Debt-consolidation figures compare interest only and do not account for fees, term length, or payoff differences. Your actual rate, line amount, and terms depend on your credit, loan-to-value, property type, and other factors, and are subject to program limits ($50,000–$750,000; up to 90% of value). Florida properties only.