Consolidation estimate
Adjust the numbers to fit your scenario.
Adjust home value, mortgage balance, debt amounts, and rate to see a directional view. Does not account for all costs.
Estimated home value
Directional current market value of your home.
$400,000
$150k$1.5M
First mortgage balance
Remaining balance on your primary mortgage.
$200,000
0$1M
Total debt to consolidate
Credit cards, auto loans, personal loans — combined total.
$45,000
$5k$200k
Current monthly debt payments
What you currently pay on those debts each month.
$1,100
100$5k
Home equity rate
Directional rate for a home equity loan or line.
8%
513
Repayment term
How long to repay the consolidated amount.
15 years
530
Assumptions
Uses 80% combined LTV as a directional equity access threshold. Actual limits vary by product and state.
Rolling debt into home equity may extend the repayment period and increase total interest paid over time.
This estimate does not include closing costs, origination fees, or the tax treatment of interest.
Consult a financial advisor before consolidating unsecured debt into a secured home equity product.