Home Equity Calculator

Enter your home value and mortgage balance to see your equity, loan-to-value ratio, and an estimate of how much you could borrow.

Home value

Mortgage balance

Max lender LTV (%)

Your equity

—

Loan-to-value—

Est. available to borrow—

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How it works

Equity = home value − mortgage balance

Frequently Asked Questions

What is loan-to-value (LTV)?

It is your mortgage balance divided by your home value, as a percentage. Lower is generally better for borrowing.

How is borrowing power estimated?

Many lenders let you borrow up to about 80% of your home value minus your current balance. This is an estimate; your lender sets the real limit.