Home Equity & Options

Home Equity Access Options Calculator

Estimate your equity and compare the main ways to access it.

Your estimate

Estimated home equity

$500,000

Reverse mortgage (rough range)

$128,000

No required monthly mortgage payment.

HELOC / home equity loan (~80% LTV)

$380,000

Requires monthly payments and income qualification.

Cash-out refinance (~80% LTV)

$380,000

Replaces your mortgage with a larger one.

Selling (after ~8% costs)

$452,000

Requires moving.

Rough illustrations only — not offers or approvals.

What this calculates

Estimates your available equity and roughly how a reverse mortgage, HELOC, home equity loan, cash-out refinance and selling compare.

Assumptions & methodology

Uses common loan-to-value limits; actual lender limits vary.
Results are estimates based on the figures you enter and simplified assumptions.
Taxes, fees, rates and individual circumstances can change real outcomes.

Important: These tools provide educational estimates only. They are not a loan offer, pre-approval, or financial advice, and results never mean you are approved for any product. Eligibility and terms are determined by a lender after a full application. Consider speaking with a HUD-approved counselor or financial professional.

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Your estimate

What this calculates

Assumptions & methodology

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