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Home & MortgageHome Equity
Home Equity Calculator — Know Your Equity and LTV
Calculate your current home equity, loan-to-value ratio, and whether you qualify to remove PMI or access a HELOC.
Home Equity Details
$450,000
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$400,000
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$320,000
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Results
LiveYour Home Equity
$130,000
Equity Percentage28.9%
Loan-to-Value Ratio (LTV)71.1%
Appreciation Since Purchase$50,000
Your Home Equity$130,000
Equity Percentage28.9%
Loan-to-Value Ratio (LTV)71.1%
How to use
Change one assumption at a time to see what moves the answer most.
Frequently Asked Questions
Everything you need to know.
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Why This Matters
Home equity is often a household's largest asset — and most people check it infrequently. Knowing your LTV tells you if you can drop PMI (saving $100–$300/month), qualify for a HELOC, or have enough equity to refinance.
How to Use It
- 1Enter your current estimated home value
- 2Enter your original purchase price
- 3Enter your remaining mortgage balance
- 4See equity, LTV ratio, and appreciation gain
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