Home / HELOC Worth It Calculator
How much can I borrow with a HELOC?
Most lenders allow you to borrow up to 85% of your home's value minus your existing mortgage balance. For example, if your home is worth $400,000 and you owe $250,000, your maximum HELOC would be approximately $90,000 ($400,000 × 85% − $250,000).
Find out if a home equity line of credit is worth the risk for your situation.
Use the HELOC Worth It Calculator →By Sean Baldwin · Last reviewed July 2026 · Part of the HELOC Worth It Calculator guide.