HELOC Debt Consolidation Calculator

Your home & profile

Estimated home value iThe current estimated market value of your home. Used to check how much you can borrow (combined loan-to-value).

1st mortgage balance iThe remaining balance you still owe on your current first mortgage.

Have no mortgage? Enter $0 — a HELOC can be a 1st lien, with lines up to $1,000,000 for well-qualified borrowers.

Occupancy iHow you use the property: your primary home, a second home, or a rental/investment property.

Estimated credit score iYour approximate FICO range. It affects your maximum line amount, allowable loan-to-value, and rate.

Your 1st mortgage payment

Principal & interest (monthly) iYour current monthly principal + interest payment on the first mortgage — not including taxes or insurance.

Property taxes (yearly) iYour total yearly property tax bill. We convert it to a monthly amount.

Insurance (yearly) iYour total yearly homeowners insurance premium. We convert it to a monthly amount.

1st mortgage rate (for payoff scenario) iThe interest rate on your existing first mortgage. Used only to show how fast extra payments would pay it off.

Debts to consolidate iList the cards and loans you'd pay off with the HELOC. Pick a type or type your own, then enter each balance and its current minimum monthly payment.

DebtBalanceMin pmt

Your HELOC

Program iWhich home-equity program to model. "HELOC" covers our standard second-lien HELOC options; NQM Flex is a closed-end second.

*NQM Flex Equity Income can qualify with alternative income documentation (bank statement or 1099) — it is not limited to fully-documented income. Eligibility and terms are subject to full underwriting.

HELOC line amount iHow much you want to borrow on the HELOC to pay off the debts above.

HELOC rate iThe interest rate on the new HELOC. Ask your Lendia specialist for today's pricing.

Term iNumber of years to repay the HELOC when fully amortizing.

Payment structure iInterest-only pays just the monthly interest (lower payment). Fully amortizing pays it off over the term. These programs amortize; interest-only is shown for illustration.

You could keep

How your HELOC line is used

Where your money goes — before vs. after

Your 1st mortgage never moves. Only the debt stack changes.

1st mortgage + escrow Card & loan minimums New HELOC payment

Option 1

More money in your pocket

$0 / year

Freed-up cash flow you can put toward savings, tuition, retirement, or just breathing room in the monthly budget.

Option 2

Crush your mortgage early

0 yrs sooner

Redirect the same savings to your 1st mortgage as extra principal — same budget as today, paid off years faster.

1st mortgage payoff — same budget, redirected

Applying your monthly savings as extra principal.

Paying the minimum Adding your HELOC savings

Apply now — it's fast & secure → Get a free rate quote

Prefer to talk it through? Call a Lendia specialist at (949) 333-4636

Worth knowing before you decide: A HELOC secures previously-unsecured debt against your home, and lowering your monthly payment sometimes means stretching a balance over a longer term. The right move depends on the rates and payoff timelines involved — a Lendia specialist can run your exact numbers and compare total interest, not just the monthly payment.

Your savings snapshot appears here

Fill in your numbers and press Show my savings. We'll show the monthly swing and two ways to use it.

This calculator is an educational tool and provides estimates only; it is not a loan offer, commitment, or approval, and results are not guaranteed. Actual line amount, rate, payment, terms, and eligibility are determined by full underwriting and may differ. HELOC and closed-end second programs are offered through wholesale lending partners and are subject to program guidelines, credit approval, and property eligibility. Figures shown compare monthly payments and do not by themselves establish total cost of credit. Consult a Lendia specialist for advice tailored to your situation.

Lendia, Inc. — Real Estate Broker, California Department of Real Estate. DRE License #01877189 | NMLS #295073. Equal Housing Opportunity.