Disclaimer

Last updated: October 15, 2026.

Please read this disclaimer before relying on anything on HomeEquityCalc. The site is published by Numerlyn LLC for general education.

Not a loan offer or lender

HomeEquityCalc is not a lender, mortgage broker, or loan servicer. Nothing on the site is an offer or commitment to lend, a pre-approval, a rate quote, or a solicitation. The "estimated maximum HELOC credit line" is a capacity estimate under assumptions you choose. It does not predict that any lender will approve you or offer that amount.

Assumptions behind the estimate

• The calculator assumes the mortgage balance you enter is the only debt secured by the home. If you also have a second mortgage, a home equity loan, or an existing HELOC, the amount available is likely lower, because lenders generally count those too and may count the full limit of an existing line, not just the drawn balance.
• The CLTV percentage is whatever you type in. Lenders set their own limits, which vary by lender, loan program, property type, and borrower, and they are not fixed by this site.
• The home value is your own estimate. A lender will rely on its own appraisal or valuation, which may be different.
• The estimate leaves out your credit profile, income, debt-to-income ratio, and any fees or closing costs.

Not financial, tax, or legal advice

The content is general information. It does not take your personal circumstances into account and is not financial, investment, tax, or legal advice. The tax guide on this site summarizes publicly available IRS guidance as of the date shown on that page; tax rules change and depend on your facts, so confirm with the IRS or a qualified tax professional before filing.

Your home is the collateral

A HELOC is secured by your home. If you cannot repay as agreed, the lender may be able to foreclose. Most HELOCs have variable rates, so payments can rise. Borrow only an amount and structure you are confident you could repay under a higher-rate scenario, and read your lender's full disclosures before signing.

Accuracy and third-party information

We try to keep the content accurate and cite primary sources, but we make no guarantee that it is complete or current. We are not responsible for the content of third-party websites we link to. Worked examples use illustrative numbers and are not forecasts.

Use at your own risk

You are responsible for your own decisions. Compare actual offers from several lenders, read the disclosures, and consider talking to a qualified professional. See our Terms of Use for the rest of the conditions that apply to the site, and the contact page if you believe something here is wrong.