Home Equity & Options

House-Rich / Cash-Poor Assessment

Find out whether most of your wealth is tied up in your home.

Your estimate

Assessment

Strongly house-rich, cash-poor

Share of wealth in your home

93%

Monthly cash flow

−$400

At this pace, savings may last about 8.3 years.

If much of your wealth is in your home, options like downsizing, a HELOC, or a reverse mortgage may be worth exploring — each has trade-offs.

What this calculates

Compares your home equity with your liquid savings and income to show how 'house-rich, cash-poor' your situation may be.

Assumptions & methodology

Scoring thresholds are general rules of thumb, not lending criteria.
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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See If You May Qualify

Your estimate

What this calculates

Assumptions & methodology

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