HELOC Calculator

Estimate your HELOC credit line and monthly payments (US-only estimate).

Home value Current estimated market value.

Mortgage balance Total outstanding mortgage(s).

Max CLTV / LTV limit (%) Many lenders cap combined LTV around 80–85%.

Amount you plan to draw Used to estimate payments.

Interest rate (APR %) Calculator assumes a fixed APR for simplicity.

Draw period (years) Often 5–10 years (interest-only).

Repayment period (years) Often 10–20 years (principal + interest).

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