Calculate Your Home Equity Loan
85%
Your Home Equity Loan Results
Available Equity
$150,000
Max Loan Amount
$117,500
Est. Monthly Payment
$1,398
How to Calculate Home Equity Loan Amount (Step-by-Step 2025)
House
Step 1: Home Value × LTV
Multiply your home’s current value by the lender’s max LTV (usually 80–90%).
Minus
Step 2: Subtract Mortgage
Subtract your remaining mortgage balance from the result above.
Dollar Sign
Step 3: Get Max Loan
The final number is your maximum home equity loan amount.
Frequently Asked Questions
How much home equity loan can I get in 2025?
Most lenders offer 80–90% combined LTV. With good credit, 90–100% LTV loans are available.
Should I choose home equity loan or HELOC in 2025?
Choose loan for fixed payments (renovations, debt consolidation). Choose HELOC if you want flexibility and rates are falling.
What credit score do I need for home equity loan?
Minimum 620, but 680+ gets best rates. Some lenders go down to 580 with higher rates.