Home value
Mortgage balance
Amount to borrow
Interest rateAPR
%

You could borrow up to

$125,000

Home equity $200,000 · CLTV after borrowing 70%

Payment during draw (10 yrs, interest-only)
$333.33
Payment during repayment (20 yrs)
$418.22
Payment increase at repayment
+$84.89
Total interest (if fully drawn)
$90,372

HELOC rates are usually variable (prime + margin), so payments change when rates move.

Max line$125,000

Estimates for education, not financial advice.HELOC calculator by Numlight ↗