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HELOC payment calculator

How much line your equity supports, what the interest-only payment looks like while you're drawing, and the jump when repayment starts, which is the part people don't plan for.

The line

HELOC rates are variable and move with the prime rate, so the payment shown is today's, not a promise. Availability and maximum combined loan-to-value depend on the state and the property; I offer HELOCs in some states, not all.

$0available line, estimated
Interest-only payment on your draw
Payment once repayment starts
To pay it off on your schedule
Minimum paymentsPay off in 5 years
Monthly, during draw period
Monthly, during repayment
Total interest
Paid off in

Current equity: . Lenders lend up to the combined LTV cap minus what you already owe, subject to credit, income and the state's rules.

For education and comparison only. Rates, costs and program rules depend on your credit, property and loan, and nothing here is a quote or a commitment to lend. Want the real version for your situation? Let's talk.

Other calculators: Monthly payment · Refinance break-even · Buydown comparison · Extra payments · HELOC · Rent vs. buy

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