Home Equity Calculator
How much equity have you built — and what can you tap?
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%
Your equity
$280,000
$600,000 value − $320,000 balance = 46.7% equity stake
You could borrow up to $190,000 against this via HELOC/HELOAN.
Cash-out refi gives you up to $160,000 at 80% LTV.
Total equity
$280,000
46.7% of home value
Loan-to-value
53.3%
no PMI
HELOC / HELOAN cap
$190,000
at 85% combined LTV
Cash-out refi cap
$160,000
at 80% LTV (typical)
Appreciation
$100,000
+20.0% since purchase
Where your home value sits
OWED
BORROWABLE
CUSHION
$0$320,000 (loan)$510,000 (85% CLTV)$600,000
Currently owedBorrowable equity (up to CLTV cap)Cushion (lender won't touch)
Lenders won’t let you borrow against 100% of your home value — they want a cushion for market drops. Typical CLTV caps: cash-out refi 80%, HELOC 85% (some 90%), HELOAN 85–90%.