Home equity
How much can you tap from your home?
We cap your available equity at 80% CLTV in Texas (Section 50) and 85% in Colorado. The rate band depends on your credit score.
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Texas Section 50 cap applied
The Texas constitution caps home equity lending at 80% CLTV. National calculators often miss this.
Home value
$
Current mortgage balance
$
State
Credit score760
580850
Current equity
$290,000
Current LTV
50%
CLTV cap
80%
TX 50(a)(6)
Applied
Estimated payments
On a full draw
Draw period · years 1–10
Interest-only on what you draw
$1,349 /mo
Repayment · years 11–30
Principal + interest
$1,603 /mo
HELOC FAQ
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