Home Equity Line of Credit Calculator

Whether you're paying off debt or planning a renovation — see your numbers before applying.

Enter your borrowing amount, home value, mortgage balance, and rate to see your estimate.
Loan(s) You Are Consolidating
Payment entered is below the calculated minimum. Using calculated payment for comparison.
Your HELOC
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Choose Your Payment Strategy
At the current rate and balance, interest accruing each month exceeds the minimum payment. The outstanding balance may grow over time. Consider a higher payment using the strategy options above.
Current Payment --
Existing loan
HELOC Payment --
Based on selected strategy
Enter your loan and HELOC details to see your comparison
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Monthly Payment Difference
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Total Interest Comparison
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Payoff Timeline
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HELOC draw periods are typically 5 years. If your loan is not fully paid off at renewal, your line will be reviewed and continued repayment is not guaranteed. Speak with a loan officer to understand your full repayment timeline.
Existing Loan Interest Cost
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HELOC 5-Yr Interest Only*
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How Will You Use It?
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Your HELOC Rate
Choose Your Payment Strategy
At the current rate and balance, interest accruing each month exceeds the minimum payment. The outstanding balance may grow over time. Choose a higher payment above.
Enter your details to see your payment
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Monthly Payment
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Interest Cost (5-Year)
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Payoff Timeline
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HELOC draw periods are typically 5 years. If your loan is not fully paid off at renewal, your line will be reviewed and continued repayment is not guaranteed. Speak with a loan officer to understand your full repayment timeline.
Principal Borrowed
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5-Year Interest Only*
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Important Disclaimers
For Illustrative Purposes Only
This calculator is provided for educational and illustrative purposes only and does not constitute a loan commitment, contract, official rate quote, solicitation, advertisement, or offer to extend credit or provide any financial product. Results are not guaranteed, and no commitment to lend is expressed or implied. Please contact us for official rates, terms, and loan disclosures applicable to your situation.
Annual Percentage Rate (APR)
Annual Percentage Rate (APR) represents the yearly cost of a loan, including interest and certain fees, expressed as a percentage. The rate entered in this calculator is used as the basis for all payment and interest estimates. Actual APR will depend on your credit profile, loan amount, term, and other factors determined at the time of application.
Credit Approval
All loan products are subject to credit approval. Qualification, rates, terms, and conditions are determined at the time of application and are subject to change without notice. Not all applicants will qualify. Contact us for current rates and program availability.
Home Equity Line of Credit (HELOC)
A Home Equity Line of Credit (HELOC) is a variable-rate revolving line of credit secured by your home. The rate and payment estimates shown are based on the inputs you enter and are for illustrative purposes only. HELOC rates are variable and will change with market conditions; actual payments may be higher or lower than shown. Payment structure is determined by your combined loan-to-value (LTV) ratio and other underwriting factors at the time of application. The draw period shown is illustrative; actual draw and repayment terms are established at closing. At the end of your draw period, your line will be reviewed for renewal and is not guaranteed. Your home is used as collateral -- failure to repay could result in loss of your home. Please contact a loan officer for current rates, program availability, and full disclosure of terms.