See your current equity, available credit line, and how appreciation builds your wealth over time.
Your Home
Current Home Value
$
$50K$2M
Remaining Loan Balance
$
$0$2M
Appreciation Projection
Annual Appreciation Rate (for chart)
%
0%8%
HELOC / Equity Line Settings
Lender Max CLTV
%
80% Conservative90% Typical max100%
Conservative
Standard baseline — most lenders
How to find your balance: Check your most recent
mortgage statement, your lender's online portal, or request a payoff quote from your servicer.
Home values can be estimated using recent comparable sales or an online AVM.
Your Home Equity
—% loan-to-value
Your Equity
—
—% of home value
Loan Balance
—
—% LTV
Equity—%
—Loan: —
Estimated Available Equity Line
—
Based on 85% CLTV minus your loan balance
⚠ PMI May Apply — LTV Above 80%
To reach 80% LTV and potentially remove PMI, you need to pay down
— or gain
— in home value appreciation.
Calculator Disclaimer:
The home equity calculator is intended to be used for educational purposes only. Equity estimates
are based on information you provide and may differ from actual values. Home values fluctuate with
market conditions and an estimate is not a formal appraisal. Available equity lines are estimates
only — actual HELOC or home equity loan amounts depend on lender requirements, credit qualifications,
and current market conditions. PMI removal is subject to your lender's policies and may require a
formal appraisal. Appreciation projections are hypothetical and not guaranteed.
Sloan Realty Associates does not make loans and this is not a commitment to lend.