Home equity, plain and simple

Find out what your home has quietly earned you.

Enter what your home is worth and what you still owe. We'll show your equity and the lenders you can use to get it — clearly, in about a minute, with nothing to sign.

Calculate my equity ↓See how it works
Statement of EquityNo. 0142
A well-maintained single-family home
Home value$450,000
Amount owed$210,000
$240,000
Estimated equity
The calculator

Your numbers, your statement.

Adjust the figures below. The statement on the right updates as you go — nothing is saved or sent until you ask us to.

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Not sure? Use a recent appraisal, a nearby comparable sale, or your county assessor's estimate.
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Check your latest mortgage statement for the exact payoff balance.
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Leave at $0 if you only have one loan on the home.

Statement of Equity

ESTIMATE
Estimated home value$450,000
Mortgage balance$195,000
Second lien / HELOC$15,000
Your estimated equity$240,000
Equity 53%LTV 47%
Borrowable at 80% CLTV$150,000
Estimate only. Actual equity may vary based on appraisal, lender guidelines, and closing costs.
Email me this statement and my lender matches
How it works

Three steps, no phone call required.

01

Tell us the basics

Your home's estimated value and what you currently owe. Takes under a minute.

02

We run the statement

Instant equity math, laid out clearly — equity, loan-to-value, and what you could borrow against it.

03

Get your lender options

We will email your qualifying mortgage lender options — get your HELOC or cash-out refinance options in your inbox, so you can start taking out the cash you need. No obligation.

Your lender options

See lenders ready to help you take out cash.

Based on your equity, we'll send qualifying mortgage lender options you can use to start taking out the cash you need.

  • Lenders who can lend against your available equity
  • Options for a HELOC, home equity loan, or cash-out refinance
  • What each path could look like at today's rates
  • No calls or texts unless you ask for one
We never sell your information. Unsubscribe anytime. By submitting, you agree to be contacted about your qualifying lender options.
Questions

Frequently asked

Home equity is the part of your home you actually own outright — your home's current value minus whatever you still owe on it. If your home is worth $450,000 and you owe $210,000, your equity is $240,000.

We subtract your total loan balances — your primary mortgage plus any second mortgage or HELOC — from your estimated home value. We also show your loan-to-value ratio and a rough sense of what you could borrow against the home at typical lender limits.

No — it's an estimate. Your actual equity depends on a professional appraisal, current market conditions, and lender-specific guidelines. Think of this as a starting point, not a final figure.

No. This calculator doesn't check your credit at all — it only uses the numbers you enter. Your score is only affected if you later apply for a loan that requires a credit pull.

Common paths include a home equity loan, a HELOC (a revolving line of credit against your home), or a cash-out refinance. People use these for renovations, debt consolidation, education costs, or major purchases. Each option has different costs and risks worth weighing carefully.

Yes. The calculator itself doesn't send anything anywhere — it runs entirely on this page. Information is only sent to us if you choose to request the full emailed report, and we don't sell it.