Calculator

Home Equity Calculator

Estimate and compare key US home-finance numbers. Results are estimates for education and planning.

Calculator

Current home value

Mortgage balance

Other liens

Results

Estimated equity—

Loan-to-value—

Planning available equity—

Equity is home value minus mortgage balance and other liens. Lenders use their own valuation and eligibility rules.

How Does This Calculator Work?

Equity is home value minus mortgage balance and other liens. Lenders use their own valuation and eligibility rules.

How to Use This Calculator

Enter realistic values.
Review the estimated result and assumptions.
Change inputs to understand sensitivity.
Confirm transaction-specific numbers with current official or lender documents.

Important Assumptions

Inputs are user-supplied.
Results are estimates, not approvals or quotes.
Taxes, insurance, PMI, fees and lender rules can vary.

Methodology

HomeCalc uses standard mathematical loan-payment and ratio calculations where applicable.

Selected authoritative references

Sources are educational references. Rules and lender requirements can change; verify current terms with the relevant agency or lender.

Last updated: August 30, 2026