Chase Home Equity Calculator
Calculate your Chase home equity loan and HELOC borrowing power. Compare fixed-rate vs variable options and estimate monthly payments.
🏠Property Information
Current Equity
$150,000
Current LTV
62.5%
💰Loan Details
Max available: $70,000
⭐Rate Adjustments
📊Your Chase Home Equity Options
Available Equity
80% CLTV$70,000
Max borrowing: $70,000 (Chase limit: $500k)
Combined LTV
Qualified80.0%
Must be ≤80% to qualify
🔒Home Equity Loan (Fixed)
✓ Fixed rate & payment
✓ Lump sum disbursement
✓ Predictable budgeting
📈HELOC (Variable)
✓ Draw as needed (10-year period)
✓ Interest-only payments initially
✓ Flexibility for ongoing projects
💡 Your Discounts Applied
Important Notes
- • Chase minimum: $25,000 | Maximum: $500,000 (some markets up to $1M)
- • 660+ credit score required (720+ for best rates)
- • 43% max debt-to-income ratio
- • Closing costs: $0 option available (higher rate) or $500-$2,000
- • HELOC early closure fee: $300-$500 if closed within 3 years
- • Property insurance and title search required
About This Calculator
Calculate Chase home equity loan and HELOC borrowing power for 2025. Estimate available equity based on home value, mortgage balance, and 80% LTV limit. Compare fixed-rate home equity loan vs variable HELOC rates. Get monthly payment estimates and closing cost breakdowns for Chase products.
Frequently Asked Questions
How much home equity can I borrow from Chase?
Chase allows borrowing up to 80% combined loan-to-value (CLTV) for home equity products. Calculation: (Home Value 脳 80%) - Current Mortgage Balance = Available Equity. Example: $400,000 home value, $250,000 mortgage: ($400,000 脳 0.80) - $250,000 = $70,000 available equity. Product limits: Home Equity Loan (fixed rate): $25,000 - $500,000, HELOC (variable rate): $25,000 - $500,000 (some markets up to $1M). Credit requirements: 660+ credit score minimum (720+ for best rates), 43% max debt-to-income ratio, minimum 20% equity in home. Important: 80% CLTV is standard, but Chase may require lower ratios (70-75%) for investment properties, recent purchases (<12 months), or borrowers with lower credit scores.
What are Chase home equity rates and fees in 2025?
Chase 2025 rates and costs: Home Equity Loan (fixed): 8.25% - 11.75% APR (rate depends on credit score, loan amount, CLTV). HELOC (variable): Prime + 0.00% to Prime + 3.50% (currently 8.50% - 12.00% with prime at 8.50%). Closing costs: $0 closing cost option available (slightly higher rate), or pay closing costs (~$500-$2,000) for lower rate. Annual fees: HELOC $0 annual fee (waived), early closure fee $300-$500 if closed within 3 years. Rate discounts: 0.25% - 0.50% discount for Chase Private Client members, automatic payment from Chase checking (0.25% discount). Example: $50,000 HELOC at Prime + 1.00% = 9.50% current rate, $50,000 Home Equity Loan fixed at 9.75% for 15 years = $524/month payment.
How do I use the Chase Home Equity Calculator?
Enter your values in the input fields provided, and the calculator will automatically compute results in real-time. Start with the required fields (marked with labels), then adjust optional parameters to fine-tune your calculation. Results update instantly as you change inputs, allowing you to quickly compare different scenarios. For the most accurate results, use precise figures from official documents rather than rough estimates. If you are unsure about any input, hover over the field label for a brief explanation of what value to enter.
How accurate are the results from the Chase Home Equity Calculator?
This calculator uses standard industry formulas and up-to-date 2025 data to provide reliable estimates. Results are most accurate when you input precise, verified figures. Keep in mind that calculators provide estimates based on mathematical models — real-world outcomes may vary due to factors not captured in the inputs, such as market changes, policy updates, or individual circumstances. For high-stakes decisions, use these results as a starting point and consult with a relevant professional (financial advisor, doctor, engineer, etc.) for personalized guidance.
Can I save or share my Chase Home Equity Calculator results?
You can bookmark this page or take a screenshot of your results for future reference. To share results with others, copy the page URL — your specific inputs are not stored in the URL for privacy reasons, so the recipient will need to enter their own values. For record-keeping purposes, we recommend noting your inputs and results in a spreadsheet or document. This allows you to track changes over time and compare different scenarios side by side.