HELOC Calculator
Calculate how much you can borrow with a home equity line of credit and estimate monthly payments.
Property & Loan Details
HELOC Terms
Available HELOC
$125,000
Total Equity: $200,000
Equity & LTV Analysis
Home Value$500,000
Mortgage Balance$300,000
Current LTV60.0%
LTV After HELOC Draw70.0%
Payment Options for $50,000
Interest Only
$354/mo
During draw period
Fully Amortized
$620/mo
During repayment
Available by LTV
80% Combined LTV$100,000
85% Combined LTV$125,000
90% Combined LTV$150,000
Rate Scenarios
| Rate | Interest Only | Amortized |
|---|---|---|
| 6% | $250 | $555 |
| 7% | $292 | $581 |
| 8% | $333 | $607 |
| 9% | $375 | $633 |
| 10% | $417 | $661 |
| 12% | $500 | $717 |
HELOC rates are typically variable (Prime + margin). Current: 8.5%
Compare Draw Amounts
| Amount | Int. Only | Amortized | Total Int. |
|---|---|---|---|
| $25,000 | $177 | $310 | $33,446 |
| $50,000 | $354 | $620 | $66,891 |
| $75,000 | $531 | $930 | $100,337 |
| $100,000 | $708 | $1,240 | $133,783 |