Home Equity Calculator
ANA›Life Services Authority›National Calculator Authority›Home Equity Calculator
.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }
Home Equity Calculator
Calculate your home equity, loan-to-value (LTV) ratio, and how much you may be able to borrow against your home.
Current Home Market Value ($)
Outstanding Mortgage Balance ($)
Other Liens / Second Mortgages ($)
Lender Max LTV Allowed (%)
Calculate
function homFmt(n) { return '$' + n.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2}); } function homPct(n) { return n.toFixed(2) + '%'; }
function homCalc() { var resultDiv = document.getElementById('hom-result'); resultDiv.style.display = 'block';
var homeValue = parseFloat(document.getElementById('hom-home-value').value); var mortgageBal = parseFloat(document.getElementById('hom-mortgage-balance').value); var otherLiens = parseFloat(document.getElementById('hom-other-liens').value) || 0; var lenderLTV = parseFloat(document.getElementById('hom-lender-ltv').value);
// --- Validation --- if (isNaN(homeValue) || homeValue 100) { resultDiv.innerHTML = 'Lender max LTV must be between 1% and 100%.
'; return; }
var totalDebt = mortgageBal + otherLiens;
if (totalDebt > homeValue) { resultDiv.innerHTML = 'Total debt exceeds home value — you are currently underwater on your mortgage.
'; return; }
// --- Core Formulas --- // Home Equity = Current Market Value − Total Outstanding Debt var homeEquity = homeValue - totalDebt;
// LTV = (Total Outstanding Debt / Current Market Value) × 100 var ltv = (totalDebt / homeValue) * 100;
// Equity Percentage = (Home Equity / Current Market Value) × 100 var equityPct = (homeEquity / homeValue) * 100;
// Max Borrowable (HELOC/HEL) = (Home Value × Lender Max LTV%) − Total Debt var maxBorrowable = (homeValue * (lenderLTV / 100)) - totalDebt; if (maxBorrowable '; html += 'MetricValue'; html += 'Current Home Market Value' + homFmt(homeValue) + ''; html += 'Total Outstanding Debt' + homFmt(totalDebt) + ''; html += 'Home Equity' + homFmt(homeEquity) + ''; html += 'Equity Percentage' + homPct(equityPct) + ''; html += 'Loan-to-Value (LTV) Ratio' + homPct(ltv) + ''; html += 'LTV Status' + ltvStatus + ''; html += 'Max Borrowable (at ' + lenderLTV + '% LTV)' + homFmt(maxBorrowable) + ''; html += 'Equity Above 20% Threshold' + (equityAbove20 >= 0 ? homFmt(equityAbove20) + ' above' : homFmt(Math.abs(equityAbove20)) + ' below') + ''; html += '';
// LTV visual bar var barWidth = Math.min(ltv, 100).toFixed(1); var barColor = ltv '; html += 'LTV Ratio Visual'; html += ''; html += ''; html += '' + homPct(ltv) + ' LTV'; html += ''; html += '0%80% (ideal)100%'; html += '';
resultDiv.innerHTML = html; }
#### Formulas Used
Home Equity: Home Equity = Current Market Value − (Mortgage Balance + Other Liens)
Equity Percentage: Equity % = (Home Equity ÷ Current Market Value) × 100
Loan-to-Value (LTV) Ratio: LTV = (Total Outstanding Debt ÷ Current Market Value) × 100
Maximum Borrowable Amount (HELOC / Home Equity Loan): Max Borrowable = (Current Market Value × Lender Max LTV%) − Total Outstanding Debt
#### Assumptions & References
- Home value is the current appraised or estimated market value, not the original purchase price.
- Most lenders allow a maximum combined LTV (CLTV) of 80%–85% for home equity loans or HELOCs (Consumer Financial Protection Bureau).
- An LTV at or below 80% typically eliminates Private Mortgage Insurance (PMI) requirements.
- References: CFPB Home Equity guidance (consumerfinance.gov), Fannie Mae LTV guidelines, Federal Reserve Regulation Z (TILA).
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