Home Equity Calculator
Use this free Home Equity calculator to make better property management decisions. Enter your values below to get instant results.
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How to Use This Calculator
- 1 Enter current market value
- 2 Enter mortgage balance
- 3 Calculate equity amount
- 4 Calculate equity percentage
- 5 Assess HELOC/cash-out availability
Example Calculation
Home worth $420K, $280K owed
Inputs:
- Value: $420,000
- Balance: $280,000
Result:
Equity: $140,000 (33%). HELOC available: ~$56K
Important Considerations
- • Investment properties have stricter rules
- • Market fluctuations affect equity
- • Minimum draw requirements may apply
Frequently Asked Questions
Lenders allow up to 80-85% combined LTV. With $140K equity in $420K home, access $56-77K leaving 15-20% equity.
Can work if investment returns exceed HELOC interest and you can handle both payments. Don't over-leverage primary residence.
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