How much can I borrow?
Take what your home is worth, multiply by the top share of its value that all loans together can reach, and subtract what you already owe. In Texas that share is 80 percent by the state constitution. Elsewhere it is the lender's rule, confirmed for your home when the lender reviews your application.
Your numbers
Every loan on the home added together. Enter 0 if nothing.
Fill in all three to see a range.
Questions
What is combined loan-to-value?
It is everything owed on the home, including the new line, divided by what the home is worth. Lenders set a top share, and the line has to fit under it.
Why is Texas 80 percent?
The Texas Constitution says all loans on a homestead together cannot be more than 80 percent of its fair market value. That holds whatever the lender's own rule is.
Why is there no number for my state?
Outside Texas the top share is the lender's rule, not a state law, and we only show a number we have confirmed. The lender's review of your application decides what applies to your home.
Is this an offer?
No. It is an estimate from the numbers you type in. The lender reviews the home's value, your credit, your income and your debts before it sets the line.