Lock It Lending

Free HELOC planning calculator

Estimate how much home equity you may be able to access

Compare a desired home equity line with your property value, existing liens, a visible CLTV assumption, estimated payment, costs, and term assumptions. No contact information is required.

Property and line details

Use estimates only. Do not enter an address or account number.

Use a current, reasonable value estimate.$
Use the unpaid balance, not the original loan amount.$
Include other mortgages, HELOCs, or property-secured liens.$
The line amount you want to compare with estimated availability.$
Enter the balance you want to model. It may differ from the desired credit line.$
Enter a scenario supplied by a licensed mortgage professional. No universal CLTV limit is assumed.%

Rate and cost assumptions

No current or borrower-specific rate or fee is advertised here. Enter assumptions from a personalized proposal when available.

Leave blank until you have a rate to test.%
Variable-rate payments can change over time.
Enter the term shown in the proposed product terms. No universal term is assumed.years
Enter 0 if none is shown in your proposal.%
For appraisal, recording, or other estimated charges.$
Enter 0 if none is shown in your proposal.$

Educational planning result

Estimated potential HELOC

Review the displayed limits and warnings before using this estimate.

CLTV-based potential line

$0

Based only on the entered property value, liens, and CLTV scenario. Actual program and underwriting limits may be lower.

Current home equity
$0
Desired line
$0
Balance used for payment estimate
$0
Estimated CLTV
—
Availability after desired line
$0

Estimated payment and costs

Estimated amortizing payment
Enter a rate
Rate assumption
Not entered
Amortization term
Not entered
Balance modeled for payment
$0.00
Estimated upfront costs
Not entered
Estimated annual recurring costs
Not entered

How the payment scenario is modeled

The generic amortizing-payment scenario uses only the balance, interest rate, and term you enter. It does not represent the actual payment structure, draw requirements, or terms of any available HELOC product.

Review these assumptions
  • Enter a property value greater than $0.
  • Enter a CLTV planning assumption supplied by a licensed mortgage professional.

Request a personalized reviewStart a secure application

Your entries stay in this browser session

The calculator does not ask for identity or contact information, save entries, put values in the URL, or send calculator values to analytics.

Why an actual offer may differ

Verified property value, lien position, state law, occupancy, credit, income, debt, property type, fees, and current product terms can all change the available line and payment.

What this result means

It is an estimated potential HELOC based on your entries and displayed assumptions—not eligibility, approval, prequalification, pricing, a Loan Estimate, a commitment to lend, or an offer of credit.

Important HELOC estimate disclosure

This calculator is for educational and planning purposes only. It does not evaluate confidential underwriting criteria or determine whether a borrower or property meets program requirements. Rates and variable-rate payments may change. Property valuation, lien verification, closing conditions, and applicable law can materially change an actual transaction.

No calculator result evaluates confidential underwriting criteria or represents actual product terms. A licensed mortgage professional must review the complete scenario.