{"id":23718,"date":"2026-03-31T15:37:41","date_gmt":"2026-03-31T15:37:41","guid":{"rendered":"https:\/\/incredipros.com\/?p=23718"},"modified":"2026-03-31T15:37:41","modified_gmt":"2026-03-31T15:37:41","slug":"how-to-calculate-how-much-home-equity-you-have","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=23718","title":{"rendered":"How to Calculate How Much Home Equity You Have"},"content":{"rendered":"<div>\n<div id=\"block_26cae2584acf3d1797c7f657f58e7956\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Knowing how to calculate home equity gives homeowners a way to understand their home\u2019s worth \u2014 and potentially liquidate it for their needs or wants.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            To calculate your home equity, take your home\u2019s appraised value and subtract your mortgage balance: the difference is essentially your equity stake.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Equity can be accessed with options like a home equity loan, home equity line of credit or cash-out refinance. Bear in mind that you can\u2019t borrow against all of your equity \u2014 lenders require that a certain percentage remain untouched.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>Your home equity \u2014 the amount of your house that you own outright \u2014 can be a valuable resource. You can use your equity to renovate some rooms, pay off credit cards, cover college tuition, start your own business or almost anything else.<\/p>\n<p>Before you can use this source of wealth, though, you need to know how much you have. This figure, along with your loan-to-value (LTV) ratio, determines the likelihood of being approved for a home equity loan or home equity line of credit (HELOC), and how much money you could be eligible for.<\/p>\n<p>Here\u2019s how to calculate the equity in your home and how much of it you can tap. And to what extent you can, and can\u2019t, control the worth of your ownership stake.<\/p>\n<div class=\"DefinitionList mb-8 DefinitionList--table\">\n            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"type-heading-three leading-8 sm:leading-10 mb-6\">\n    Key terms to know when calculating equity<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<dl>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Home equity<\/dt>\n<dd class=\"text-gray-700\">\n<p>Your equity is basically the difference between your home\u2019s value and the amount you owe on your mortgage (and any other loans against the home).<\/p>\n<\/dd>\n<\/div>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Loan-to-value ratio (LTV)<\/dt>\n<dd class=\"text-gray-700\">\n<p>Your LTV or loan-to-value ratio is the size of your mortgage vis-\u00e0-vis your home\u2019s worth. Expressed as a percentage, it\u2019s computed by dividing the principal balance of your mortgage by your home\u2019s appraised value.  Lenders consider it when approving you for a mortgage or other financing that uses the home for collateral.<\/p>\n<\/dd>\n<\/div>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Combined loan-to-value ratio (CLTV)<\/dt>\n<dd class=\"text-gray-700\">\n<p>Lenders calculate your CLTV or combined loan-to-value ratio when you apply for a second mortgage. It represents the total debt against the home: both the original mortgage and the size of the new home equity loan or line of credit.<\/p>\n<\/dd>\n<\/div>\n<\/dl>\n<\/div>\n<p>Calculating home equity is relatively simple math, and if you have accurate figures on hand, all you have to do is plug them into a home equity calculator. But you can determine your level of equity on your own, as well. Here\u2019s how.<\/p>\n<h2 id=\"calculate\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to calculate the equity in your home\" data-outcome=\"\">How to calculate the equity in your home<\/h2>\n<h3>Step 1: Estimate your home\u2019s value<\/h3>\n<p>Calculating equity starts with identifying the property\u2019s market value. You can find out how much your home is worth through online home price estimators. These rely on algorithms and public records to generate estimates. <\/p>\n<p>When you input your address in an online estimator, the dollar amount you\u2019ll get is an estimate of the property\u2019s fair market value, which might not be the same as the home\u2019s appraised value. Home equity lenders rely on a home\u2019s appraised value \u2014 based on a professional appraiser\u2019s assessment \u2014 to determine your equity level and how much you can borrow. The fair market value of your home simply refers to what a homebuyer would likely pay for the property today, given the current real estate market.<\/p>\n<p>If you don\u2019t want to pay hundreds of dollars for a professional appraisal just yet, using a home price estimator is a good first step in calculating your home\u2019s value, and your equity. But don\u2019t be surprised if the lender\u2019s appraiser comes up with a significantly different sum.<\/p>\n<h3>Step 2: Find out what you owe<\/h3>\n<p>The next number you\u2019ll need is the outstanding balance on your mortgage, which can be found on your most recent statement. You could also check your lender or servicer\u2019s online dashboard, assuming it has one, or call directly for this information. Be sure to check for any unpaid fees or penalties.<\/p>\n<h3>Step 3: Take the difference to determine your equity<\/h3>\n<p>Once you have your home\u2019s value and your mortgage balance, you\u2019re almost finished. From here, all you need to figure out how to calculate equity is some simple subtraction.  Your home equity equals the current value of your home minus your current mortgage debt.<\/p>\n<p>Assume your home\u2019s current value is $410,000, and you have a $220,000 balance remaining on your mortgage. Subtract the $220,000 outstanding balance from the $410,000 value. Your calculation would look like this:<\/p>\n<figure class=\"lightbox\"><figcaption class=\"lightbox-figcaption flex flex-col items-center justify-center\">\n                <span class=\"Icon Icon--md block\"><br \/>\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Expand Icon<\/title>\n<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M7.871 8.73h.01-.021.011Zm.602-.248a.842.842 0 0 1-.602.247.91.91 0 0 1-.603-.247L3.235 4.448v2.98a.854.854 0 1 1-1.71 0V2.36s-.01-.011-.01-.022c0-.107.021-.215.064-.301a.86.86 0 0 1 .473-.473.74.74 0 0 0 .086-.033.626.626 0 0 1 .205-.032h5.076a.88.88 0 0 1 .86.871c0 .474-.387.861-.86.861h-2.98l4.034 4.034a.864.864 0 0 1 0 1.216ZM1.976 22.414a.927.927 0 0 0 .388.086v-.01h5.065c.473 0 .86-.388.86-.861a.863.863 0 0 0-.86-.861H4.45l4.033-4.034a.864.864 0 0 0 0-1.216.863.863 0 0 0-1.215 0l-4.033 4.034v-2.98a.863.863 0 0 0-.86-.86.88.88 0 0 0-.872.86v5.014a.828.828 0 0 0 .248.667c.064.064.14.118.225.16Zm19.66.086h-5.065a.88.88 0 0 1-.86-.871c0-.474.386-.861.86-.861h2.979l-4.033-4.034a.864.864 0 0 1 0-1.216.863.863 0 0 1 1.215 0l4.033 4.034v-2.98a.854.854 0 1 1 1.71 0v5.067a.885.885 0 0 1-.237.602.916.916 0 0 1-.268.184.736.736 0 0 1-.334.064v.011Zm-6.12-14.018a.89.89 0 0 0 .614.248l-.011-.011c.226 0 .44-.076.613-.248l4.033-4.034v2.98c0 .473.387.86.86.86a.88.88 0 0 0 .872-.86V2.414a.841.841 0 0 0-.549-.86c-.097-.043-.204-.065-.312-.043h-5.065a.863.863 0 0 0-.86.86c0 .474.386.861.86.861h2.979l-4.033 4.034a.864.864 0 0 0 0 1.216Z\" class=\"icon-base\"\/><\/svg>                <\/span><br \/>\n                <span class=\"block mt-4 lightbox-caption\">EXPAND<\/span><br \/>\n            <\/figcaption><\/figure>\n<p>In this case, your home equity would be $190,000 \u2014 a 46% stake.<\/p>\n<h2 id=\"how-much\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How much equity can you borrow?\" data-outcome=\"\">How much equity can you borrow?<\/h2>\n<p>OK, you now know how to determine equity in your home. But the number you\u2019ve arrived at doesn\u2019t equal the sum you can pull out. That\u2019s because you can\u2019t borrow the full amount of your home equity. Many lenders allow you to borrow only up to 80% of your home\u2019s value.<\/p>\n<p>Calculating the equity you can access is fairly easy. Using our example above, that\u2019s 0.8 x $410,000, or $328,000. Subtract $220,000 (what you still owe on your mortgage), and you\u2019d have $108,000 of tappable equity.<\/p>\n<figure class=\"lightbox\">\n<p>            <img decoding=\"async\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2026\/03\/tappable-equity-graph.jpg\" alt=\"tappable equity graph\"\/><figcaption class=\"lightbox-figcaption flex flex-col items-center justify-center\">\n                <span class=\"Icon Icon--md block\"><br \/>\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Expand Icon<\/title>\n<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M7.871 8.73h.01-.021.011Zm.602-.248a.842.842 0 0 1-.602.247.91.91 0 0 1-.603-.247L3.235 4.448v2.98a.854.854 0 1 1-1.71 0V2.36s-.01-.011-.01-.022c0-.107.021-.215.064-.301a.86.86 0 0 1 .473-.473.74.74 0 0 0 .086-.033.626.626 0 0 1 .205-.032h5.076a.88.88 0 0 1 .86.871c0 .474-.387.861-.86.861h-2.98l4.034 4.034a.864.864 0 0 1 0 1.216ZM1.976 22.414a.927.927 0 0 0 .388.086v-.01h5.065c.473 0 .86-.388.86-.861a.863.863 0 0 0-.86-.861H4.45l4.033-4.034a.864.864 0 0 0 0-1.216.863.863 0 0 0-1.215 0l-4.033 4.034v-2.98a.863.863 0 0 0-.86-.86.88.88 0 0 0-.872.86v5.014a.828.828 0 0 0 .248.667c.064.064.14.118.225.16Zm19.66.086h-5.065a.88.88 0 0 1-.86-.871c0-.474.386-.861.86-.861h2.979l-4.033-4.034a.864.864 0 0 1 0-1.216.863.863 0 0 1 1.215 0l4.033 4.034v-2.98a.854.854 0 1 1 1.71 0v5.067a.885.885 0 0 1-.237.602.916.916 0 0 1-.268.184.736.736 0 0 1-.334.064v.011Zm-6.12-14.018a.89.89 0 0 0 .614.248l-.011-.011c.226 0 .44-.076.613-.248l4.033-4.034v2.98c0 .473.387.86.86.86a.88.88 0 0 0 .872-.86V2.414a.841.841 0 0 0-.549-.86c-.097-.043-.204-.065-.312-.043h-5.065a.863.863 0 0 0-.86.86c0 .474.386.861.86.861h2.979l-4.033 4.034a.864.864 0 0 0 0 1.216Z\" class=\"icon-base\"\/><\/svg>                <\/span><br \/>\n                <span class=\"block mt-4 lightbox-caption\">EXPAND<\/span><br \/>\n            <\/figcaption><\/figure>\n<h3>Calculating LTV and CLTV ratios<\/h3>\n<p>Now that you know how to calculate how much home equity you have, you can explore borrowing against it. However, when you approach a lender about this option, they won\u2019t be looking solely at your equity stake.<\/p>\n<p>Specifically, the lender will also look at your LTV ratio, or the size of your loan divided by your home\u2019s value, expressed as a percentage. You can do the math with Bankrate\u2019s LTV calculator. Or, use this equation (we\u2019ll employ the same numbers from our example above):<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>$220,000 [outstanding mortgage] \/ $410,000 [home value] = 0.5365, or 53.65%<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<p>So far, so good. Unfortunately, with home equity-backed loans or lines of credit, it doesn\u2019t stop there. For this sort of financing, lenders look not just at the LTV, but your combined LTV (CLTV) ratio.<\/p>\n<p>For example, if you wanted a $30,000 home equity loan, your CLTV would come to 60.97% (your $220,000 mortgage plus your $30,000 loan divided by your home\u2019s $410,00 value).<\/p>\n<figure class=\"lightbox\">\n<p>            <img decoding=\"async\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2026\/03\/loan-to-value-graph.jpg\" alt=\"loan to value graph\"\/><figcaption class=\"lightbox-figcaption flex flex-col items-center justify-center\">\n                <span class=\"Icon Icon--md block\"><br \/>\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Expand Icon<\/title>\n<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M7.871 8.73h.01-.021.011Zm.602-.248a.842.842 0 0 1-.602.247.91.91 0 0 1-.603-.247L3.235 4.448v2.98a.854.854 0 1 1-1.71 0V2.36s-.01-.011-.01-.022c0-.107.021-.215.064-.301a.86.86 0 0 1 .473-.473.74.74 0 0 0 .086-.033.626.626 0 0 1 .205-.032h5.076a.88.88 0 0 1 .86.871c0 .474-.387.861-.86.861h-2.98l4.034 4.034a.864.864 0 0 1 0 1.216ZM1.976 22.414a.927.927 0 0 0 .388.086v-.01h5.065c.473 0 .86-.388.86-.861a.863.863 0 0 0-.86-.861H4.45l4.033-4.034a.864.864 0 0 0 0-1.216.863.863 0 0 0-1.215 0l-4.033 4.034v-2.98a.863.863 0 0 0-.86-.86.88.88 0 0 0-.872.86v5.014a.828.828 0 0 0 .248.667c.064.064.14.118.225.16Zm19.66.086h-5.065a.88.88 0 0 1-.86-.871c0-.474.386-.861.86-.861h2.979l-4.033-4.034a.864.864 0 0 1 0-1.216.863.863 0 0 1 1.215 0l4.033 4.034v-2.98a.854.854 0 1 1 1.71 0v5.067a.885.885 0 0 1-.237.602.916.916 0 0 1-.268.184.736.736 0 0 1-.334.064v.011Zm-6.12-14.018a.89.89 0 0 0 .614.248l-.011-.011c.226 0 .44-.076.613-.248l4.033-4.034v2.98c0 .473.387.86.86.86a.88.88 0 0 0 .872-.86V2.414a.841.841 0 0 0-.549-.86c-.097-.043-.204-.065-.312-.043h-5.065a.863.863 0 0 0-.86.86c0 .474.386.861.86.861h2.979l-4.033 4.034a.864.864 0 0 0 0 1.216Z\" class=\"icon-base\"\/><\/svg>                <\/span><br \/>\n                <span class=\"block mt-4 lightbox-caption\">EXPAND<\/span><br \/>\n            <\/figcaption><\/figure>\n<p>The higher the LTV ratio, the more risk for the lender, which results in a higher home equity interest rate. In other words, knowing how to determine equity in a home isn\u2019t enough to determine how much money you can borrow. You also want to look at the CLTV you\u2019d have, using your primary mortgage plus the new loan.<\/p>\n<h2 id=\"how-to-access\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to access your home equity\" data-outcome=\"\">How to access your home equity<\/h2>\n<p>Once you know how to calculate equity and how much you can borrow, you\u2019ll need to choose the type of financing. The options include:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>A <\/strong><strong>home equity loan<\/strong><strong> (HE Loan) <\/strong>allows you to borrow a lump sum of money upfront and repay it in equal installments at a fixed interest rate. It could be ideal if you know how much you need and prefer a predictable monthly payment and stable interest rate.<\/li>\n<li> <strong>A <\/strong><strong>HELOC<\/strong><strong> (home equity line of credit)<\/strong> is more flexible. You can borrow up to a set limit during the draw period, which usually lasts 10 years. As with a credit card, you borrow only what you need when you need it.and you are only charged interest, at a variable rate, on what you actually withdraw. Once the draw period ends, your line of credit converts to a loan that\u2019s repayable over a set period, usually up to 20 years.<\/li>\n<li>\n<strong>A <\/strong><strong>cash-out refinance<\/strong><strong> <\/strong>lets you replace your existing mortgage with a larger one:  You receive the difference between the two balances in a lump-sum payment. You then make monthly payments on this new mortgage, just as you did on your original one, that are amortized over a set number of years. <\/li>\n<\/ul>\n<p>In terms of interest rates, HE Loans and HELOCs are usually less expensive than personal loans and credit cards. Cash-out refis tend to run a few percentage points lower than home equity loans.<\/p>\n<div class=\"TipBox flex sm:items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"TipBox-icon Icon icon-offset-blue-200 text-gray-900 icon-highlight-blue-600 mt-4 sm:-mt-4 md:-mt-1\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Star Icon<\/title>\n<path d=\"M8.244 24a1.92 1.92 0 0 1-1.19-.415 2.122 2.122 0 0 1-.778-2.042l.762-4.63a.706.706 0 0 0-.196-.622L3.61 13.01a2.15 2.15 0 0 1-.517-2.137c.238-.77.853-1.324 1.624-1.436l4.469-.675a.683.683 0 0 0 .516-.39l2.001-4.214C12.05 3.441 12.73 3 13.5 3c.77 0 1.451.45 1.796 1.16l2 4.213a.697.697 0 0 0 .517.39l4.47.675c.762.112 1.385.666 1.623 1.436a2.15 2.15 0 0 1-.517 2.137l-3.23 3.28a.73.73 0 0 0-.197.622l.762 4.63a2.127 2.127 0 0 1-.787 2.042 1.91 1.91 0 0 1-2.116.173l-3.993-2.19a.664.664 0 0 0-.648 0l-3.993 2.19A1.903 1.903 0 0 1 8.26 24h-.016Z\" fill=\"transparent\" class=\"icon-offset\"\/><path d=\"M6.494 23c-.439 0-.877-.145-1.246-.435a2.223 2.223 0 0 1-.816-2.14l.799-4.849a.74.74 0 0 0-.206-.653L1.64 11.488a2.253 2.253 0 0 1-.541-2.24c.249-.806.893-1.386 1.7-1.504l4.682-.707a.716.716 0 0 0 .542-.408l2.096-4.414C10.479 1.462 11.193 1 12 1c.807 0 1.52.471 1.881 1.215l2.096 4.414a.73.73 0 0 0 .542.408l4.681.707c.8.118 1.452.698 1.701 1.505.24.798.035 1.659-.54 2.239l-3.386 3.435a.764.764 0 0 0-.206.653l.8 4.85c.137.825-.181 1.64-.825 2.139a2.001 2.001 0 0 1-2.217.181l-4.183-2.293a.696.696 0 0 0-.679 0l-4.184 2.293c-.309.172-.644.254-.97.254h-.017ZM11.99 2.46a.713.713 0 0 0-.652.416L9.242 7.291c-.309.643-.893 1.097-1.58 1.196l-4.682.707a.717.717 0 0 0-.584.517.735.735 0 0 0 .18.752L5.961 13.9c.498.508.721 1.233.61 1.949l-.8 4.85a.735.735 0 0 0 .276.716c.232.181.524.2.773.063l4.184-2.293a2.015 2.015 0 0 1 1.95 0l4.183 2.293a.69.69 0 0 0 .773-.063.753.753 0 0 0 .284-.716l-.8-4.85a2.253 2.253 0 0 1 .61-1.949l3.385-3.435a.732.732 0 0 0 .18-.753.717.717 0 0 0-.583-.517l-4.682-.707c-.679-.1-1.272-.553-1.58-1.196l-2.097-4.415a.705.705 0 0 0-.653-.417h.017Z\" class=\"icon-base\"\/><\/svg>    <\/p>\n<p class=\"w-full mb-0\">\n        <strong class=\"font-bold\"><br \/>\n            Keep in mind:<br \/>\n        <\/strong><br \/>\n        Home equity loans and HELOCs aren\u2019t free. These loans come with some closing costs, similar to taking out a traditional mortgage. These costs can include fees for loan origination, an appraisal, a credit report and title searches.\n    <\/p>\n<\/div>\n<h2 id=\"home-prices\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How home prices affect your home equity\" data-outcome=\"\">How home prices affect your home equity<\/h2>\n<p>You can control one piece of the home equity calculation: your mortgage balance. As you make monthly payments, that balance goes down and your equity goes up.<\/p>\n<p>The other big piece of the puzzle in calculating equity falls less squarely into your hands, however. It relates to your local residential real estate scene. When prices for homes in your area rise or fall, it directly impacts your home equity.<\/p>\n<p>Let\u2019s go back to our example above. Say you paid $410,000 for your house when you bought it, but its market value has since increased to $440,000. That\u2019s an additional $30,000 in your home equity stake. Home-value increases accrue to your side of the ledger, not your lender\u2019s, because your mortgage balance is set when you close on your home. It\u2019ll go down as you make payments, of course, but the size of the debt doesn\u2019t fluctuate with changes in property values.<\/p>\n<p>The opposite could also be true, though. If selling prices decreased in your neighborhood and your home\u2019s value dropped to $390,000, that would give you $20,000 less in equity.<\/p>\n<p>Fortunately, changes in your local housing market aren\u2019t the only way to move the needle on your home\u2019s value. You can make strategic renovations to make your home worth more.<\/p>\n<p>Just keep in mind that the return on investment there isn\u2019t guaranteed. If you invest $15,000 in improvements but a decline in the local real estate market causes your home to drop by $20,000, for example, it would cancel out any equity gains for you.<\/p>\n<h2 id=\"faq\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions\" data-outcome=\"\">Frequently asked questions<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-accordion-item-0', 'heading-accordion-item-0']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-0')\" :aria-controls=\"$id('panel-accordion-item-0')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How quickly can I access my home equity after purchasing a home?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-0')\" :aria-labelledby=\"$id('heading-accordion-item-0')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Many home equity lenders require you to have at least 20% equity before being eligible for a HELOC or home equity loan. Some may want you to have owned the home for at least a few months; others may require several years of on-time mortgage payments. How soon you can pull equity out of your home will depend on how quickly you achieve that 29%, which in turn depends on much of the purchase price was covered in your down payment, how home values are appreciating in your market and whether you\u2019ve completed any value-adding renovations.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-1', 'heading-accordion-item-1']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-1')\" :aria-controls=\"$id('panel-accordion-item-1')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How can I increase the equity I have in my home?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-1')\" :aria-labelledby=\"$id('heading-accordion-item-1')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            As you follow your repayment schedule and pay down your mortgage, you\u2019re building equity in your home. If you make extra mortgage payments or complete upgrades that increase the value of your house you can boost your equity level sooner. Another way to preserve your equity: Keep up with home maintenance and repairs. A home\u2019s condition affects its market value.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-2', 'heading-accordion-item-2']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-2')\" :aria-controls=\"$id('panel-accordion-item-2')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How does a home equity loan affect my private mortgage insurance (PMI)?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-2')\" :aria-labelledby=\"$id('heading-accordion-item-2')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>In most instances, a home equity loan won\u2019t impact your PMI premiums (they\u2019re based solely on your primary mortgage). But it could affect your timetable for getting rid of them. Normally, you can request cancellation of PMI when you\u2019ve built up a 20% equity stake, and your LTV is down to 80%. And by law, your lender must cancel it when your LTV reaches 78%.<\/p>\n<p>If you request PMI removal at 80%, the extra debt from a home equity loan or HELOC could make your mortgage lender a little nervous. It could deny your request and insist that you wait until the LTV drops two additional percentage points.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-3', 'heading-accordion-item-3']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-3')\" :aria-controls=\"$id('panel-accordion-item-3')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What are the drawbacks of tapping home equity?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-3')\" :aria-labelledby=\"$id('heading-accordion-item-3')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Using your home\u2019s equity is a way for you to get some extra cash, but it\u2019s not without its risks. HELOCs have variable rates, which can make payments unpredictable. Both HELOCs and home equity loans are secured loans, which means if you fall behind on payments, you could lose your home to foreclosure. Borrowing against the value of your home also adds to your debt load and could mean paying a lot more in interest over time. Additionally, if the housing market dips, you might could owe more than your home is worth.\n        <\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"GGHxJ88GxR\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><path d=\"M13.165 2.175c.322 0 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0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/home-equity\/how-to-calculate-equity-in-your-home\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Knowing how to calculate home equity gives homeowners a way to understand their home\u2019s worth \u2014 and potentially liquidate it for their needs or wants. To calculate your home equity, take your home\u2019s appraised value and subtract your mortgage balance: the difference is essentially your equity stake. Equity can be accessed with options<\/p>\n","protected":false},"author":1,"featured_media":23719,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-23718","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Calculate How Much Home Equity You Have | IncrediPros<\/title>\n<meta name=\"description\" content=\"Key takeaways Knowing how to calculate home equity gives homeowners a way to understand their home\u2019s worth \u2014 and potentially liquidate it for their needs\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/incredipros.com\/?p=23718\" \/>\n<meta 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