Lenders cap total borrowing at a share of your home's value. See what's available.
A HELOC borrowing calculator estimates how much you can draw from a home equity line of credit, based on your home's value, your mortgage balance, and the lender's maximum combined loan-to-value.
Lenders cap total borrowing against your home at a percentage of its value, the combined loan-to-value (CLTV), often around 80% to 90%. Your available line is that ceiling minus your existing mortgage balance. So more equity and a higher CLTV limit mean more you can borrow.
This shows the mathematical limit; approval also depends on your credit score, income, and the lender's policies. Remember a HELOC is secured by your home, so borrowing against it puts the property at risk, and most HELOCs carry variable rates that can rise. Borrow with a clear purpose and repayment plan.
Usually your home's value times the lender's max combined loan-to-value (often 80-90%), minus your current mortgage balance. Enter your numbers above.
The total of all loans against your home divided by its value. Lenders cap it, which limits how much of your equity you can borrow.
It's secured by your home, so falling behind can put the property at risk, and variable rates can raise your payment. Borrow with a clear repayment plan.
See the exact formula and a worked example on our methodology page.