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Home Equity Line of Credit Calculator

Use this calculator to determine the home equity line of credit amount you may qualify to receive. The line of credit is based on a percentage of the value of your home. The more your home is worth, the larger the line of credit. Of course, the final line of credit you receive will take into account any outstanding mortgages you might have. This includes first mortgages, second mortgages and any other debt you have secured by your home.
By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.



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**FIG_GRAPHTITLE** Line Graph: Please view the report to see detailed calculation results in tabular form.
What if my appraised value changes?

Definitions

Appraised value of your home

Current appraised value of your home.

Outstanding home loans

Total amount of all outstanding home loan balances, including your first mortgage, second mortgage(s), and any other debt that is secured by your home.

Loan-to-value ratio

Loan-to-value ratio (LTV) is the percentage of your home's appraised value that is borrowed - including all outstanding mortgages and home equity loans and lines secured by your home. For example, a lender's 80% LTV limit for a home appraised at $400,000 would mean a HELOC applicant could have no more than $320,000 in total outstanding home loan balances. Remember, the $320,000 limit would include all existing loans secured by your home plus your new HELOC.


Ciera Bank
1501 Summit Ave
Fort Worth, TX 76102

Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.