Finance · Refi / Equity
Home Equity
Estimate your current equity, available borrowing room at max LTV, and current loan-to-value ratio.
Last reviewed: February 18, 2026
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What this calculator does
Estimate your current equity, available borrowing room at max LTV, and current loan-to-value ratio.
How it's calculated
- Inputs are validated before running the calculator-specific compute() function.
- Core math is deterministic and implemented in src/lib/calculators/home-equity.ts.
- Results are recalculated instantly as values change and are shareable via query parameters.
- Disclosure assumptions and limitations are shown on-page for decision context.
Example
Example scenario: Home value = 620000 USD; Current mortgage balance = 360000 USD; Maximum LTV for planning = 80 %. Sample output: Current home equity: $260,000.00
Common mistakes
- Using optimistic rates or appreciation assumptions without testing a conservative case.
- Ignoring taxes, insurance, HOA, or maintenance in monthly cost planning.
- Treating modeled outputs as guaranteed quotes rather than planning estimates.
- Not comparing at least two scenarios before making a financing decision.
- Skipping professional review for legal, tax, underwriting, or insurance details.
FAQs
What is LTV?
Loan-to-value is loan balance divided by home value. Lower LTV generally means more equity cushion.
Is available equity equal to cash I can withdraw?
Not necessarily. This estimate is a planning range and does not include lender-specific eligibility rules.
How often should I update this calculation?
Update when your estimated home value or mortgage balance changes materially.
Can appraisal changes alter this result?
Yes. Final lender appraisal and condition adjustments can raise or lower usable equity.
Does this include second liens?
No. Add all secured balances manually if you want to approximate combined LTV exposure.