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Calculators / Finance / Home equity
Home equity calculator
Estimate home equity and loan-to-value ratio.
On this page
Estimated equity200,000
Loan-to-value60%
Calculator controls
How to calculate
Estimate home equity and loan-to-value ratio.
Estimated equity = value-mortgage; Loan-to-value = mortgage/value*100
Worked example
Example inputs
Current property value: 500000 · Mortgage balance: 300000
Example resultEstimated equity: 200000 · Loan-to-value: 60 %
Assumptions and limits
An appraisal, selling costs and other liens can change available equity and borrowing capacity.
Results are rounded for display; calculations use unrounded values. Read our calculation methodology.
Understanding the result
Estimate home equity and loan-to-value ratio. The displayed figures use the inputs and formula shown on this page.
When this tool is useful
Use the home equity to compare a scenario, check an estimate, or verify a manual calculation.
Understanding your inputs
| Input | What to enter |
|---|---|
| Current property value | Enter a number of at least 0.000001 and no more than 1000000000000. |
| Mortgage balance | Enter a number of at least 0 and no more than 1000000000000. |
Frequently asked questions
What should I check before using the home equity result?
An appraisal, selling costs and other liens can change available equity and borrowing capacity.
Is this home equity result exact?
It is exact for the stated mathematical model and entered values. Real-world results can differ when rates, timing, fees, definitions or measurement conditions differ.