Equity
Home equity calculator
See the theoretical room between your property's 80% lending-value reference and everything already secured against it — and what that number does and does not mean.
Runs entirely in your browser · Nothing is stored or submitted
Your numbers
Your best working estimate. A lender determines its own lending value.
Include second mortgages and any credit line registered on title. Defaults to $0.
- Estimated available equity
- $200,000
- Current estimated loan-to-value
- 57.8%
- 80% lending-value reference
- $720,000
- Total secured against the property
- $520,000
Estimated available equity is not an approved borrowing amount. Qualification, income and credit review, the lender's own valuation of the property, and individual lender policy all determine what may actually be available to you.
How this estimate was calculated
- Lending-value reference = estimated property value × 80%.
- Estimated available equity = the 80% reference, less the current mortgage balance, less other balances secured against the property, floored at $0.
- Current estimated loan-to-value = total secured balances ÷ estimated property value × 100.
- Property value is the figure you entered, not a lender determination.
- No mortgage insurance, fees, prepayment charges or closing costs are included.
Assumptions last reviewed: September 2026
This article is general information only. It is not a mortgage approval, a rate quote, or individualized financial, tax or legal advice. Terms, availability and eligibility depend on the borrower, the property and the lender.