Calculate your home equity, loan-to-value ratio and how much you could tap at an 80% LTV.
Educational estimate. Actual proceeds depend on rates, HUD limits and a HECM counselor.
Equity is home value minus all mortgage debt and liens. We also compute your loan-to-value and the amount typically tappable at 80% LTV.
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Whether you’re considering a reverse mortgage, a HELOC or a cash-out refinance, it all starts with equity: your home’s value minus everything you owe against it. Lenders also watch loan-to-value — they’ll usually let your combined borrowing reach about 80–85% of the home’s value. This calculator shows your equity, your LTV and roughly how much room you have left to tap.
Home value minus your mortgage balance and any other liens.
Total debt divided by home value; lower LTV means more equity.
Typically up to 80–85% LTV combined, minus what you owe.
No — an appraisal sets the official value.