Estimate your home equity
Slide to your numbers. The estimate updates as you move.
Add your ZIP to match the right company for your state.
You have about $250,000 in equity
Your cash estimate
$67,500 to $121,500
Enter your email below to see your number
Enter your email to see your number
We show it right here and email you a copy.
- This estimate, sent to your inbox
- A short email series comparing your options: 7 emails over 17 days
- Then a link to a company that serves your state, which does its own review
We'll open your best match in a new tab.Unsubscribe anytime · Privacy Policy
Your numbers
An estimate, not an offer. A company's own figure depends on its review of your home, your credit and your state, and could be lower.
How we estimate
How this estimate works: equity is home value minus mortgage balance. The agreement range runs from 15% of home value (the most Unison says it offers, up to $500,000) to 27% (the most Hometap says it offers, up to $600,000), and assumes your mortgage plus the amount stays at or under 75% of home value, because Hometap asks for at least 25% equity. The HELOC range assumes a combined loan-to-value of 80% to 85%, up to the $750,000 maximum Figure lists. Company figures as read on October 6, 2026.
Your estimate is ready
Your estimates
These are estimates, not offers.
Estimate your HELOC payment ·
Tap a rate to see a monthly payment.
An estimate from the numbers you enter. A lender sets your actual rate after its own review.
What happens nextHow it works
- 1Enter your emailSee your number, no credit check
- 2See your real offerA few minutes, on their site
- 3You decideNo obligation to apply
Two ways to use your home equity
Your two options, side by side.
- Funding in as little as 30 to 45 days
- No monthly payments
- You share part of your home's future value and settle within 10 years
- Funds in as few as 5 days on loans under $400K
- You repay it monthly over time
- Pre-approval in about 5 minutes
Deciding between the two? Read HEI vs. HELOC.
How home equity is calculated
Your equity is what your home is worth minus what you still owe on it. That's the whole formula.
Can you take all of it? Nope. Every option here leaves some equity in the home, so the cash you can get is always smaller than your equity, and here are the limits this calculator uses to work it out:
- HELOC: your mortgage plus the new line can reach 80% to 85% of your home's value, up to the $750,000 maximum Figure lists.
- Home equity agreement: 15% to 27% of your home's value, with your mortgage plus the cash at or under 75% of the value. Hometap, for one, asks you to keep at least 25% equity.
Example: a $450,000 home with $200,000 left on the mortgage
HELOC
- 85% of $450,000
- $382,500
- Minus the $200,000 mortgage
- $182,500
- Same math at 80%
- $160,000
You could get about$160,000 to $182,500
Home equity agreement
- 15% of $450,000
- $67,500
- 27% of $450,000
- $121,500
- 75% cap ($337,500 minus $200,000)
- $137,500
Both fit under the cap, so about$67,500 to $121,500
Why is the HELOC number bigger? Lenders let a HELOC reach a higher share of your home's value, but it's a loan with monthly payments and interest. The agreement has no monthly payment at all.
So you get less up front with an agreement, but nothing is due until you settle.
Try it with your numbers ↑HEI, HELOC or cash-out refi: which one fits?
All three turn equity into cash. But the big difference is whether you take on a monthly payment, and that's the first thing to figure out before you compare rates or companies.
Home equity agreement (HEI)
No monthly paymentYou get cash now. Later, when you sell, refinance, buy it out or the term ends, you pay the company back, and what you owe is tied to your home's value then.
Fits if: a new monthly bill would stretch your budget.
Compare HEI companies →HELOC
Monthly paymentA line of credit against your home. You draw what you need and pay interest only on what you use.
Fits if: you can handle a payment and want to borrow in pieces.
HEI vs. HELOC →Cash-out refinance
Monthly paymentA new, bigger mortgage replaces the one you have, and you keep the difference in cash, minus closing costs. Your whole balance moves to the new rate.
Fits if: today's mortgage rates are close to or below the rate you have now.
All home equity guides →Home equity calculator FAQ
How do I calculate my home equity?
Take your home's value and subtract everything you owe on it, including any second mortgage or line of credit. A $450,000 home with $200,000 owed has $250,000 in equity.
How much of my equity can I actually get?
Less than all of it. For a HELOC, this calculator assumes your mortgage plus the new line can reach 80% to 85% of your home's value. For a home equity agreement, it uses 15% to 27% of the value and keeps your mortgage plus the cash at or under 75%. Each company sets its own limit after it reviews your home, your credit and your state.
What is combined loan-to-value (CLTV)?
It's everything you owe on the home divided by what the home is worth. Owe $200,000 on a $450,000 home, add a $182,500 line, and you owe $382,500. That's 85%.
Does this calculator check my credit?
No. It only does math on the numbers you enter, so there's no credit check to see your estimate. If you go on to check a real rate, the company tells you how it checks credit. Figure, for one, uses a soft credit check to show your rate.
What's the difference between an HEI and a HELOC?
A HELOC is a loan with monthly payments and interest. A home equity agreement has no monthly payments. You settle later, and what you pay the company is tied to your home's value then. Our HEI vs. HELOC guide compares what each one costs.
How accurate is this estimate?
It's a starting point, not an offer. A company's own figure depends on its review of your home, your credit and your state, and it could be lower.
Take the next step.
Finish your estimate above, or read how the companies and the two options compare before you decide.