How Much Equity Can I Borrow? ^topEnter your estimated home value and the combined amount of any mortgages or loans secured by your property. Then click "Calculate". Your available home equity determines how much you can borrow. We multiply your estimated home value by an equity factor of 90% or 100%, and then subtract any outstanding mortgages to estimate your available equity. The actual equity loan or line amount you qualify for is based on several factors in addition to your property valuation. |