Your home
Lender cap
Most HELOC lenders cap you at 85% combined LTV. Investor-heavy lenders sometimes stretch to 90%; conservative banks stay at 80%.
Tappable equity
$183,000
Total equity $270,000 · capped at 85.0% CLTV · you can draw up to 31.6% of home value
Total equity
$270,000
Current LTV
53.4%
Max borrow (at cap)
$183,000
How much of your home equity can you actually borrow?
A $580,000 home with a $310,000 mortgage balance holds $270,000 of equity — but lenders won't let you touch all of it. At a typical 85% combined loan-to-value cap, the borrowable amount is $580,000 × 0.85 − $310,000 = about $183,000. Your current LTV is 53%, well under the threshold, which also positions you for the better rate tiers.
$270,000
Total equity
~$183,000
Tappable at 85% LTV
53%
Current LTV
$580,000
Home value
Frequently asked questions
How we size tappable equity
Total equity = value − mortgage
Straight subtraction. This is the number on your net-worth statement, but not what you can actually borrow.
Tappable = (value × max LTV) − mortgage
Lenders cap Combined Loan-to-Value at 80–90%. We subtract your existing mortgage from that ceiling — what's left is your HELOC or cash-out refi room.
Leave 15% headroom
Max-out is a trap. If home values dip, an 85% CLTV HELOC can become 95% overnight. Lenders freeze lines at 100%+ CLTV.
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