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Home Equity & Cash-Out
Estimates total home equity (value minus everything owed) and the portion typically available through a HELOC or cash-out refinance, using the standard 80% combined loan-to-value ceiling.
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Home Equity & Cash-Out
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The method
How it works
01
Total equity = estimated value − mortgage balance − any HELOC balance.
02
Tappable equity = 80% of value − everything owed (floored at zero).
Tappable = max(0, value × max LTV − balances).
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