Calculator

HELOC Calculator

Estimate how much you could borrow with a Home Equity Line of Credit, and what the interest-only and repayment payments would be.

Free basic calculator

Equity

Your home equity

Current home value

Mortgage balance

Max combined LTV (CLTV)

HELOC interest rate

Terms

Desired HELOC amount

Interest-only period

yrs

Repayment period

yrs

Results

Available equity$180,000.00

Maximum HELOC amount$108,750.00

Interest-only payment$291.67

Repayment-period payment$353.48

Combined LTV (CLTV)70.53%

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Months until next PCS

HELOC recommendation

HELOC may fit

Risks to watch

• Variable rates can rise sharply — payments may double during the repayment phase.
• A HELOC reduces the equity cushion you'd use to absorb a quick PCS sale.
• Remote landlords face higher reserve needs — preserve liquidity.

HELOC PCS analysis

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