HELOC Calculator USA 2026
Estimate your 2026 Home Equity Line of Credit — available credit, draw amount and interest-only monthly payment based on home value and mortgage balance.
Project details
All prices in USD $ · 2026 USA averages.
Estimated cost
Available credit line
$217,500
Range: $195,750 – $217,500
85% combined LTV on $550,000 home
Cost breakdown
| Current home equity | $300,000 |
| Max combined loan (home value × LTV) | $467,500 |
| Available HELOC credit | $217,500 |
| Planned draw amount | $50,000 |
| Interest-only monthly payment | $354.17 |
Get 3 Mortgage Quotes
Compare 3 vetted USA lenders. Free, no obligation, no impact on credit.
Disclaimer: Rates as of 2026. Estimates use 2026 USA average mortgage rates, state property tax and insurance data. Actual rates, fees and payments depend on lender, credit score, loan program and property. Consult a licensed loan officer before locking a rate.
Frequently asked questions
How does a HELOC differ from a home equity loan?
A HELOC is a revolving credit line with variable rates. A home equity loan is a lump-sum second mortgage with a fixed rate.
What credit score do I need?
Most 2026 HELOC lenders require a 680+ FICO. Best rates go to borrowers with 740+ and under 80% combined LTV.
Can I lose my home?
Yes. A HELOC is secured by your home. Missing payments can trigger foreclosure, so treat it like a mortgage.