Mortgage Calculators

How much can I borrow from my home's equity?

What if your house was made of money? It just might be. Use this home equity calculator to see how much you might be able to borrow from your home equity (the value of your home above what you still owe on your loan).

While this calculator can help you understand how much you might be able to borrow, all numbers provided here are estimates. Please talk to a Mortgage Loan Officer about what you may qualify for.

Tips for using this calculator

The maximum loan-to-value (LTV) that lenders allow varies based on a number of factors, but it is typically no more than 80% for an owner-occupied residence. To calculate your LTV ratio, divide the amount left to pay on your loan by the current appraised value of your house. For example, $200,000 left to pay on loan/$400,000 appraised value = 50% LTV.


This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

We can help put your home's equity to work.