Estimate how much you may be able to access through a conventional refinance.
See what’s within reach.
Assumes a conventional refinance limit of 80% of appraised value. Actual equity access depends on income, credit, property, lender terms and an appraisal. Your lender must confirm any payout penalty.
Does the equity estimate mean I can borrow that amount?
No. The model applies an 80% conventional refinancing assumption and subtracts existing secured balances and entered costs. Property valuation, income, credit, lender limits and the purpose of borrowing still need assessment.
A useful way to test your assumptions
Compare the estimate with and without your expected transaction costs. Obtain a written payout statement and an appropriate property valuation before treating the result as available cash.
Calculations stay in your browser. You can explore without signing up or authorizing a credit check.
Calculation references: FCAC: Home equity · Reviewed October 7, 2026
Use the estimate as a starting point.
Change the inputs to explore what is comfortable for you. A lender’s decision also depends on your credit, verified income, the property and its own requirements. These tools do not pre-approve you or provide a rate quote.
The estimate deducts your existing secured debt and entered costs from 80% of estimated value. Confirm appraisal requirements and obtain your lender’s written payout figure. The result is not guaranteed available credit.
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