The ownership gap.
Estimated property value minus all outstanding home-secured debt. Selling costs are not deducted here, so this is not an estimate of net sale proceeds.
Put a few numbers in perspective.
Explore how your home’s estimated value, outstanding debt, and a borrowing-limit assumption fit together. Your inputs stay in your browser.
01 / SET YOUR ASSUMPTIONSYour numbers.
Your numbers.
A clearer picture.
This is an adjustable scenario, not a lender’s offer. Existing credit lines may be treated differently by a lender.
02 / SEE THE RELATIONSHIP
Estimated home equity$150,000
- Current loan-to-value
- 62.5%
- Total debt ceiling at assumed limit
- $320,000
- Illustrative additional borrowing room
- $70,000
Before fees, lender rules, and eligibility checks. This is not an approval or a suggested borrowing amount.
Read the result in context.
An illustration, not an offer.
The assumed debt ceiling minus the debt you entered. Your income, credit, property, lender’s valuation, fees, and existing credit limits can change the actual outcome.
A separate question.
This tool does not calculate payments or assess your household budget. A borrowing limit is not a spending target. Leave room for maintenance, savings, and a change in plans.