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Sellers
Home Equity Calculator
Your equity is your home's value minus what you owe. It's the foundation for HELOCs, cash-out refis, and your retirement net worth.
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HELOC Rate Comparison
Top HELOC rates from US lenders in your state.
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Cash-Out Refi Quotes
Pull equity by refinancing your existing mortgage.
Get refi quotes →
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How to use this calculator
- Enter your home's current market value (use Zillow/Redfin as a starting estimate).
- Add your remaining mortgage balance.
- Add any HELOC, home equity loan, or other liens.
- We'll show your equity and 80% LTV access.
What your results mean
Total equity is value minus all debt. Equity % is that divided by value. Accessible equity at 80% LTV is the max most lenders let you borrow (HELOC or cash-out refi) while leaving 20% equity in the home.
Smart ways to use home equity
- Pay off high-interest debt (credit cards at 22% APR with a HELOC at 8%).
- Fund value-adding renovations (kitchen, bath) that boost the home's value.
- Use as a down payment on a rental property to scale your portfolio.
- Bridge financing while you buy a new home before selling the current one.
- Avoid using equity for depreciating assets (cars, vacations) — you're trading wealth for stuff.