All calculatorsUsing home equity

HELOC Payment Calculator

Estimate interest-only and full repayment payments on a home equity line of credit.

HELOCs are usually variable (Prime + margin).

During draw period

$578/mo

Interest-only at 9.250%

Repayment phase

$687/mo

Principal + interest, fully amortized

Plan ahead: when the 10-year draw period ends, payments jump from interest-only to fully amortized. Many homeowners refinance the HELOC into a home-equity loan before this happens to lock the rate.

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Request current rates and loan options based on this HELOC payment schedule. Add a mobile number if you prefer a text.

Calculator results are estimates for planning, not a loan approval, commitment, rate lock, or Loan Estimate.