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Calculate your HELOC savings

With a HELOC, you’ll unlock your equity AND keep your low mortgage rate. Enter your info to see how much you’ll save with a HELOC compared to a cash-out refinance.

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Cash out refinance

HELOC vs Cash-out refinance calculator for illustrative purposes only. Accuracy not guaranteed. Interest rates and APRs are for informational purposes and do not include all applicable fees. Your actual rates, payments, and costs may differ.

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  • Please note that you are required to draw at least $50,000 or 75% of your credit limit, whichever is greater, at the time of funding (ex. if your credit limit is $200,000, you must draw $150,000 or more at funding). If you would like to draw less at funding, you may lower your credit limit.
  • This HELOC savings calculator is for illustrative purposes only and does not assure the availability of your eligibility for any specific loan product, nor does the calculator predict or guarantee the actual rate. Loan approval is subject to underwriter review. Actual rate, payment, and costs could be higher.
  • Rates as of 5/29/2023 at 3:38:53 PM UTC.