HELOC Calculator — Embed | Budget Build Invest !

Home equity details

Current home value

Remaining mortgage balance

Lender max CLTV (%) — usually 80–90

Maximum HELOC line you could qualify for

$145,000.00

At 85% combined loan-to-value on a $500,000.00 home

Your home equity

$220,000.00

Current LTV

56%

Equity used at max line

65.91%

Lenders cap total borrowing (mortgage + HELOC) at a percentage of your home's value — the combined loan-to-value (CLTV) ratio. Most allow 80–85%; some credit unions go to 90%. Actual approval also depends on credit score, income, and debt-to-income ratio. Your home secures the line: missed payments risk foreclosure.