Calculator
Home Equity Calculator
See how much of your home you actually own.
Your equity is one simple subtraction: your home's current value minus everything you still owe against it. That number is what you truly own — and it's the starting point for borrowing against your home. Enter your value and balance to see your equity, then see how much of it a HELOC could let you borrow.
- Equity = today's value minus what you still owe
- See the share of your home you actually own
- Find out how much of that equity a HELOC could let you borrow
Frequently asked
How do I calculate my home equity?
Equity equals your home's current market value minus the total of all loans secured by it. Use today's estimated value, not what you paid. If your home is worth $700,000 and you owe $400,000, your equity is $300,000.
Can I borrow all of my equity?
No. Lenders cap total borrowing at about 80–85% of your home's value across all loans combined. So even with $300,000 in equity, your borrowable amount is smaller. See the HELOC calculator for that number.