Calculate home equity and loan-to-value from value and mortgage balance.
MALAMALAMA KI TE TALI
E fuafua pefea te mea tenei?
This calculator applies the displayed mortgage formula directly to your inputs. It keeps full precision during the calculation and rounds only the displayed result.
Home Equity formulaHome equity = current value − mortgage balance
He fakaaogāga moni
Using the default example values, the calculator substitutes 520,000 and 310,000 into the formula. Change the values to model your own scenario.
Tali ne fuafua
Current home value
Mortgage balance
Tali ne fuafua
$416,000.00
$310,000.00
$106,000.00
$520,000.00
$310,000.00
$210,000.00
$624,000.00
$310,000.00
$314,000.00
Nā manatu, fakamatala ma nā hē mahani
Nā manatu o te fuafuaga
The values entered for current home value and mortgage balance are accurate for the scenario.
Rates and recurring amounts remain constant for the period represented by the formula.
Provider fees, taxes and timing differences are excluded unless they are explicit inputs.
Auala ke fakamatala te tali
Treat the main number as a planning estimate, not a quote, approval or guarantee.
Compare at least a baseline, lower and higher assumption before deciding.
Use the result together with the related mortgage calculators for a broader view.
Nā hē mahani ke kalo kehe mai ai
Entering a percentage as a decimal when the field expects a whole percent.
Comparing results that use different time periods or omit different fees.
Rounding inputs early or treating an estimated rate as guaranteed.