HELOC Calculators
Three tools to help you understand the math behind home equity lines of credit. These are mathematical illustrations — not loan quotes or approvals.
Equity & HELOC Capacity
Enter your property value, current lien balance, and a target CLTV to see the approximate maximum HELOC line the math supports.
Open CalculatorInterest-Only vs. Amortizing Payment
Compare the monthly payment difference between an interest-only HELOC draw and a fully amortizing principal-and-interest payment on the same balance.
Open CalculatorAVM Difference Calculator
See how different AVM results from different HELOC programs translate into different available line amounts — even at the same advertised CLTV.
Open CalculatorAll calculators are mathematical illustrations only. They do not constitute a loan quote, pre-approval, or commitment to lend. Actual HELOC availability depends on the lender's accepted property value, current underwriting criteria, credit profile, income, and other factors. HELOC guidelines change frequently.