Home Equity Line of Credit product from CITIZENS EQUITY FIRST - Amortization Schedule Calculator

Use the calculator below to calculate your monthly home equity payment for the line of credit from CITIZENS EQUITY FIRST. You can adjust loan amount, interest rate, and the home equity term to view the impact on the monthly payment amount. The calculator also provides an amortization table to show the amount of principal and interest payments a borrower will make over the life of the line of credit.

Home Equity product from CITIZENS EQUITY FIRST

Interest Type: Adjustable
Term: 30 Years
Interest Rate: 5.540%
Rate change (per year): 0.1%

Monthly Payment: Year 1: $1,161.19, Year 2: $1,181.78, Year 3: $1,202.37, Year 4: $1,222.96, Year 5: $1,243.54, Year 6: $1,264.13, Year 7: $1,284.72, Year 8: $1,305.31, Year 9: $1,325.90, Year 10: $1,346.49, Year 11: $1,367.08, Year 12: $1,387.66, Year 13: $1,408.25, Year 14: $1,428.84, Year 15: $1,449.43, Year 16: $1,470.02, Year 17: $1,490.61, Year 18: $1,511.20, Year 19: $1,531.78, Year 20: $1,552.37, Year 21: $1,572.96, Year 22: $1,593.55, Year 23: $1,614.14, Year 24: $1,634.73, Year 25: $1,655.31, Year 26: $1,675.90, Year 27: $1,696.49, Year 28: $1,717.08, Year 29: $1,737.67, Year 30: $1,758.26,

Date	Principal Balance^?	Monthly Payment^?	Interest^?	Monthly Amortization^?
04/15/2025	$200,000.00	$1,161.19	$940.00	$221.19
05/15/2025	$199,778.81	$1,161.19	$940.00	$221.19
06/15/2025	$199,556.58	$1,161.19	$938.96	$222.23
07/15/2025	$199,333.30	$1,161.19	$937.92	$223.27
08/15/2025	$199,108.98	$1,161.19	$936.87	$224.32
09/15/2025	$198,883.60	$1,161.19	$935.81	$225.38
10/15/2025	$198,657.16	$1,161.19	$934.75	$226.44
11/15/2025	$198,429.66	$1,161.19	$933.69	$227.50
12/15/2025	$198,201.09	$1,161.19	$932.62	$228.57
01/15/2026	$197,971.44	$1,161.19	$931.55	$229.65
02/15/2026	$197,740.72	$1,161.19	$930.47	$230.73
03/15/2026	$197,508.91	$1,161.19	$929.38	$231.81
04/15/2026	$197,271.88	$1,181.78	$944.75	$237.03
05/15/2026	$197,033.72	$1,181.78	$943.62	$238.16
06/15/2026	$196,794.42	$1,181.78	$942.48	$239.30
07/15/2026	$196,553.97	$1,181.78	$941.33	$240.45
08/15/2026	$196,312.37	$1,181.78	$940.18	$241.60
09/15/2026	$196,069.62	$1,181.78	$939.03	$242.75
10/15/2026	$195,825.71	$1,181.78	$937.87	$243.91
11/15/2026	$195,580.63	$1,181.78	$936.70	$245.08
12/15/2026	$195,334.38	$1,181.78	$935.53	$246.25
01/15/2027	$195,086.95	$1,181.78	$934.35	$247.43
02/15/2027	$194,838.33	$1,181.78	$933.17	$248.61
03/15/2027	$194,588.53	$1,181.78	$931.98	$249.80
04/15/2027	$194,333.16	$1,202.37	$947.00	$255.37
05/15/2027	$194,076.55	$1,202.37	$945.75	$256.61
06/15/2027	$193,818.69	$1,202.37	$944.51	$257.86
07/15/2027	$193,559.57	$1,202.37	$943.25	$259.12
08/15/2027	$193,299.19	$1,202.37	$941.99	$260.38
09/15/2027	$193,037.55	$1,202.37	$940.72	$261.65
10/15/2027	$192,774.63	$1,202.37	$939.45	$262.92
11/15/2027	$192,510.43	$1,202.37	$938.17	$264.20
12/15/2027	$192,244.95	$1,202.37	$936.88	$265.48
01/15/2028	$191,978.17	$1,202.37	$935.59	$266.78
02/15/2028	$191,710.10	$1,202.37	$934.29	$268.07
03/15/2028	$191,440.72	$1,202.37	$932.99	$269.38
04/15/2028	$191,165.39	$1,222.96	$947.63	$275.32
05/15/2028	$190,888.70	$1,222.96	$946.27	$276.69
06/15/2028	$190,610.65	$1,222.96	$944.90	$278.06
07/15/2028	$190,331.21	$1,222.96	$943.52	$279.43
08/15/2028	$190,050.40	$1,222.96	$942.14	$280.82
09/15/2028	$189,768.19	$1,222.96	$940.75	$282.21
10/15/2028	$189,484.59	$1,222.96	$939.35	$283.60
11/15/2028	$189,199.58	$1,222.96	$937.95	$285.01
12/15/2028	$188,913.16	$1,222.96	$936.54	$286.42
01/15/2029	$188,625.32	$1,222.96	$935.12	$287.84
02/15/2029	$188,336.06	$1,222.96	$933.70	$289.26
03/15/2029	$188,045.37	$1,222.96	$932.26	$290.69
04/15/2029	$187,748.32	$1,243.54	$946.50	$297.05
05/15/2029	$187,449.78	$1,243.54	$945.00	$298.54
06/15/2029	$187,149.73	$1,243.54	$943.50	$300.05
07/15/2029	$186,848.17	$1,243.54	$941.99	$301.56
08/15/2029	$186,545.09	$1,243.54	$940.47	$303.08
09/15/2029	$186,240.49	$1,243.54	$938.94	$304.60
10/15/2029	$185,934.36	$1,243.54	$937.41	$306.13
11/15/2029	$185,626.68	$1,243.54	$935.87	$307.68
12/15/2029	$185,317.46	$1,243.54	$934.32	$309.22
01/15/2030	$185,006.68	$1,243.54	$932.76	$310.78
02/15/2030	$184,694.33	$1,243.54	$931.20	$312.34
03/15/2030	$184,380.42	$1,243.54	$929.63	$313.92
04/15/2030	$184,059.70	$1,264.13	$943.41	$320.72
05/15/2030	$183,737.34	$1,264.13	$941.77	$322.36
06/15/2030	$183,413.33	$1,264.13	$940.12	$324.01
07/15/2030	$183,087.66	$1,264.13	$938.46	$325.67
08/15/2030	$182,760.32	$1,264.13	$936.80	$327.33
09/15/2030	$182,431.31	$1,264.13	$935.12	$329.01
10/15/2030	$182,100.62	$1,264.13	$933.44	$330.69
11/15/2030	$181,768.23	$1,264.13	$931.75	$332.39
12/15/2030	$181,434.15	$1,264.13	$930.05	$334.09
01/15/2031	$181,098.35	$1,264.13	$928.34	$335.80
02/15/2031	$180,760.84	$1,264.13	$926.62	$337.51
03/15/2031	$180,421.60	$1,264.13	$924.89	$339.24
04/15/2031	$180,075.07	$1,284.72	$938.19	$346.53
05/15/2031	$179,726.74	$1,284.72	$936.39	$348.33
06/15/2031	$179,376.60	$1,284.72	$934.58	$350.14
07/15/2031	$179,024.63	$1,284.72	$932.76	$351.96
08/15/2031	$178,670.84	$1,284.72	$930.93	$353.79
09/15/2031	$178,315.20	$1,284.72	$929.09	$355.63
10/15/2031	$177,957.72	$1,284.72	$927.24	$357.48
11/15/2031	$177,598.38	$1,284.72	$925.38	$359.34
12/15/2031	$177,237.17	$1,284.72	$923.51	$361.21
01/15/2032	$176,874.08	$1,284.72	$921.63	$363.09
02/15/2032	$176,509.10	$1,284.72	$919.75	$364.98
03/15/2032	$176,142.23	$1,284.72	$917.85	$366.87
04/15/2032	$175,767.54	$1,305.31	$930.62	$374.69
05/15/2032	$175,390.87	$1,305.31	$928.64	$376.67
06/15/2032	$175,012.20	$1,305.31	$926.65	$378.66
07/15/2032	$174,631.54	$1,305.31	$924.65	$380.66
08/15/2032	$174,248.87	$1,305.31	$922.64	$382.67
09/15/2032	$173,864.17	$1,305.31	$920.61	$384.70
10/15/2032	$173,477.44	$1,305.31	$918.58	$386.73
11/15/2032	$173,088.67	$1,305.31	$916.54	$388.77
12/15/2032	$172,697.85	$1,305.31	$914.49	$390.83
01/15/2033	$172,304.96	$1,305.31	$912.42	$392.89
02/15/2033	$171,909.99	$1,305.31	$910.34	$394.97
03/15/2033	$171,512.94	$1,305.31	$908.26	$397.05
04/15/2033	$171,107.49	$1,325.90	$920.45	$405.45
05/15/2033	$170,699.87	$1,325.90	$918.28	$407.62
06/15/2033	$170,290.06	$1,325.90	$916.09	$409.81
07/15/2033	$169,878.05	$1,325.90	$913.89	$412.01
08/15/2033	$169,463.83	$1,325.90	$911.68	$414.22
09/15/2033	$169,047.39	$1,325.90	$909.46	$416.44
10/15/2033	$168,628.71	$1,325.90	$907.22	$418.68
11/15/2033	$168,207.79	$1,325.90	$904.97	$420.92
12/15/2033	$167,784.60	$1,325.90	$902.72	$423.18
01/15/2034	$167,359.15	$1,325.90	$900.44	$425.45
02/15/2034	$166,931.41	$1,325.90	$898.16	$427.74
03/15/2034	$166,501.38	$1,325.90	$895.87	$430.03
04/15/2034	$166,062.32	$1,346.49	$907.43	$439.05
05/15/2034	$165,620.88	$1,346.49	$905.04	$441.45
06/15/2034	$165,177.02	$1,346.49	$902.63	$443.85
07/15/2034	$164,730.75	$1,346.49	$900.21	$446.27
08/15/2034	$164,282.05	$1,346.49	$897.78	$448.70
09/15/2034	$163,830.90	$1,346.49	$895.34	$451.15
10/15/2034	$163,377.29	$1,346.49	$892.88	$453.61
11/15/2034	$162,921.21	$1,346.49	$890.41	$456.08
12/15/2034	$162,462.64	$1,346.49	$887.92	$458.57
01/15/2035	$162,001.57	$1,346.49	$885.42	$461.07
02/15/2035	$161,537.99	$1,346.49	$882.91	$463.58
03/15/2035	$161,071.89	$1,346.49	$880.38	$466.11
04/15/2035	$160,596.08	$1,367.08	$891.26	$475.81
05/15/2035	$160,117.63	$1,367.08	$888.63	$478.44
06/15/2035	$159,636.54	$1,367.08	$885.98	$481.09
07/15/2035	$159,152.79	$1,367.08	$883.32	$483.75
08/15/2035	$158,666.36	$1,367.08	$880.65	$486.43
09/15/2035	$158,177.24	$1,367.08	$877.95	$489.12
10/15/2035	$157,685.41	$1,367.08	$875.25	$491.83
11/15/2035	$157,190.86	$1,367.08	$872.53	$494.55
12/15/2035	$156,693.57	$1,367.08	$869.79	$497.29
01/15/2036	$156,193.53	$1,367.08	$867.04	$500.04
02/15/2036	$155,690.73	$1,367.08	$864.27	$502.80
03/15/2036	$155,185.14	$1,367.08	$861.49	$505.59
04/15/2036	$154,669.10	$1,387.66	$871.62	$516.04
05/15/2036	$154,150.16	$1,387.66	$868.72	$518.94
06/15/2036	$153,628.31	$1,387.66	$865.81	$521.85
07/15/2036	$153,103.52	$1,387.66	$862.88	$524.79
08/15/2036	$152,575.79	$1,387.66	$859.93	$527.73
09/15/2036	$152,045.09	$1,387.66	$856.97	$530.70
10/15/2036	$151,511.41	$1,387.66	$853.99	$533.68
11/15/2036	$150,974.74	$1,387.66	$850.99	$536.68
12/15/2036	$150,435.05	$1,387.66	$847.97	$539.69
01/15/2037	$149,892.33	$1,387.66	$844.94	$542.72
02/15/2037	$149,346.56	$1,387.66	$841.90	$545.77
03/15/2037	$148,797.72	$1,387.66	$838.83	$548.83
04/15/2037	$148,237.62	$1,408.25	$848.15	$560.11
05/15/2037	$147,674.32	$1,408.25	$844.95	$563.30
06/15/2037	$147,107.81	$1,408.25	$841.74	$566.51
07/15/2037	$146,538.07	$1,408.25	$838.51	$569.74
08/15/2037	$145,965.09	$1,408.25	$835.27	$572.99
09/15/2037	$145,388.84	$1,408.25	$832.00	$576.25
10/15/2037	$144,809.30	$1,408.25	$828.72	$579.54
11/15/2037	$144,226.46	$1,408.25	$825.41	$582.84
12/15/2037	$143,640.30	$1,408.25	$822.09	$586.16
01/15/2038	$143,050.79	$1,408.25	$818.75	$589.50
02/15/2038	$142,457.93	$1,408.25	$815.39	$592.86
03/15/2038	$141,861.69	$1,408.25	$812.01	$596.24
04/15/2038	$141,253.28	$1,428.84	$820.43	$608.41
05/15/2038	$140,641.35	$1,428.84	$816.91	$611.93
06/15/2038	$140,025.89	$1,428.84	$813.38	$615.47
07/15/2038	$139,406.86	$1,428.84	$809.82	$619.02
08/15/2038	$138,784.26	$1,428.84	$806.24	$622.60
09/15/2038	$138,158.05	$1,428.84	$802.64	$626.21
10/15/2038	$137,528.23	$1,428.84	$799.01	$629.83
11/15/2038	$136,894.76	$1,428.84	$795.37	$633.47
12/15/2038	$136,257.62	$1,428.84	$791.71	$637.13
01/15/2039	$135,616.80	$1,428.84	$788.02	$640.82
02/15/2039	$134,972.28	$1,428.84	$784.32	$644.52
03/15/2039	$134,324.03	$1,428.84	$780.59	$648.25
04/15/2039	$133,662.63	$1,449.43	$788.03	$661.40
05/15/2039	$132,997.36	$1,449.43	$784.15	$665.28
06/15/2039	$132,328.18	$1,449.43	$780.25	$669.18
07/15/2039	$131,655.07	$1,449.43	$776.33	$673.10
08/15/2039	$130,978.02	$1,449.43	$772.38	$677.05
09/15/2039	$130,297.00	$1,449.43	$768.40	$681.03
10/15/2039	$129,611.98	$1,449.43	$764.41	$685.02
11/15/2039	$128,922.94	$1,449.43	$760.39	$689.04
12/15/2039	$128,229.85	$1,449.43	$756.35	$693.08
01/15/2040	$127,532.71	$1,449.43	$752.28	$697.15
02/15/2040	$126,831.47	$1,449.43	$748.19	$701.24
03/15/2040	$126,126.12	$1,449.43	$744.08	$705.35
04/15/2040	$125,406.55	$1,470.02	$750.45	$719.57
05/15/2040	$124,682.70	$1,470.02	$746.17	$723.85
06/15/2040	$123,954.54	$1,470.02	$741.86	$728.16
07/15/2040	$123,222.05	$1,470.02	$737.53	$732.49
08/15/2040	$122,485.21	$1,470.02	$733.17	$736.85
09/15/2040	$121,743.98	$1,470.02	$728.79	$741.23
10/15/2040	$120,998.33	$1,470.02	$724.38	$745.64
11/15/2040	$120,248.26	$1,470.02	$719.94	$750.08
12/15/2040	$119,493.72	$1,470.02	$715.48	$754.54
01/15/2041	$118,734.68	$1,470.02	$710.99	$759.03
02/15/2041	$117,971.14	$1,470.02	$706.47	$763.55
03/15/2041	$117,203.05	$1,470.02	$701.93	$768.09
04/15/2041	$116,419.57	$1,490.61	$707.13	$783.48
05/15/2041	$115,631.36	$1,490.61	$702.40	$788.21
06/15/2041	$114,838.39	$1,490.61	$697.64	$792.96
07/15/2041	$114,040.64	$1,490.61	$692.86	$797.75
08/15/2041	$113,238.08	$1,490.61	$688.05	$802.56
09/15/2041	$112,430.68	$1,490.61	$683.20	$807.40
10/15/2041	$111,618.40	$1,490.61	$678.33	$812.27
11/15/2041	$110,801.23	$1,490.61	$673.43	$817.18
12/15/2041	$109,979.12	$1,490.61	$668.50	$822.11
01/15/2042	$109,152.06	$1,490.61	$663.54	$827.07
02/15/2042	$108,320.00	$1,490.61	$658.55	$832.06
03/15/2042	$107,482.92	$1,490.61	$653.53	$837.08
04/15/2042	$106,629.17	$1,511.20	$657.44	$853.76
05/15/2042	$105,770.19	$1,511.20	$652.22	$858.98
06/15/2042	$104,905.95	$1,511.20	$646.96	$864.23
07/15/2042	$104,036.43	$1,511.20	$641.67	$869.52
08/15/2042	$103,161.59	$1,511.20	$636.36	$874.84
09/15/2042	$102,281.40	$1,511.20	$631.01	$880.19
10/15/2042	$101,395.83	$1,511.20	$625.62	$885.57
11/15/2042	$100,504.84	$1,511.20	$620.20	$890.99
12/15/2042	$99,608.40	$1,511.20	$614.75	$896.44
01/15/2043	$98,706.47	$1,511.20	$609.27	$901.92
02/15/2043	$97,799.03	$1,511.20	$603.75	$907.44
03/15/2043	$96,886.04	$1,511.20	$598.20	$912.99
04/15/2043	$95,954.95	$1,531.78	$600.69	$931.09
05/15/2043	$95,018.09	$1,531.78	$594.92	$936.86
06/15/2043	$94,075.42	$1,531.78	$589.11	$942.67
07/15/2043	$93,126.90	$1,531.78	$583.27	$948.52
08/15/2043	$92,172.50	$1,531.78	$577.39	$954.40
09/15/2043	$91,212.19	$1,531.78	$571.47	$960.31
10/15/2043	$90,245.92	$1,531.78	$565.52	$966.27
11/15/2043	$89,273.66	$1,531.78	$559.52	$972.26
12/15/2043	$88,295.38	$1,531.78	$553.50	$978.29
01/15/2044	$87,311.02	$1,531.78	$547.43	$984.35
02/15/2044	$86,320.57	$1,531.78	$541.33	$990.46
03/15/2044	$85,323.97	$1,531.78	$535.19	$996.60
04/15/2044	$84,307.72	$1,552.37	$536.12	$1,016.25
05/15/2044	$83,285.08	$1,552.37	$529.73	$1,022.64
06/15/2044	$82,256.02	$1,552.37	$523.31	$1,029.06
07/15/2044	$81,220.48	$1,552.37	$516.84	$1,035.53
08/15/2044	$80,178.45	$1,552.37	$510.34	$1,042.04
09/15/2044	$79,129.86	$1,552.37	$503.79	$1,048.58
10/15/2044	$78,074.69	$1,552.37	$497.20	$1,055.17
11/15/2044	$77,012.89	$1,552.37	$490.57	$1,061.80
12/15/2044	$75,944.41	$1,552.37	$483.90	$1,068.47
01/15/2045	$74,869.23	$1,552.37	$477.18	$1,075.19
02/15/2045	$73,787.28	$1,552.37	$470.43	$1,081.94
03/15/2045	$72,698.54	$1,552.37	$463.63	$1,088.74
04/15/2045	$71,588.43	$1,572.96	$462.85	$1,110.11
05/15/2045	$70,471.24	$1,572.96	$455.78	$1,117.18
06/15/2045	$69,346.95	$1,572.96	$448.67	$1,124.29
07/15/2045	$68,215.50	$1,572.96	$441.51	$1,131.45
08/15/2045	$67,076.84	$1,572.96	$434.31	$1,138.66
09/15/2045	$65,930.94	$1,572.96	$427.06	$1,145.90
10/15/2045	$64,777.74	$1,572.96	$419.76	$1,153.20
11/15/2045	$63,617.20	$1,572.96	$412.42	$1,160.54
12/15/2045	$62,449.27	$1,572.96	$405.03	$1,167.93
01/15/2046	$61,273.90	$1,572.96	$397.59	$1,175.37
02/15/2046	$60,091.05	$1,572.96	$390.11	$1,182.85
03/15/2046	$58,900.67	$1,572.96	$382.58	$1,190.38
04/15/2046	$57,687.03	$1,593.55	$379.91	$1,213.64
05/15/2046	$56,465.56	$1,593.55	$372.08	$1,221.47
06/15/2046	$55,236.21	$1,593.55	$364.20	$1,229.35
07/15/2046	$53,998.94	$1,593.55	$356.27	$1,237.28
08/15/2046	$52,753.68	$1,593.55	$348.29	$1,245.26
09/15/2046	$51,500.39	$1,593.55	$340.26	$1,253.29
10/15/2046	$50,239.02	$1,593.55	$332.18	$1,261.37
11/15/2046	$48,969.51	$1,593.55	$324.04	$1,269.51
12/15/2046	$47,691.82	$1,593.55	$315.85	$1,277.70
01/15/2047	$46,405.88	$1,593.55	$307.61	$1,285.94
02/15/2047	$45,111.65	$1,593.55	$299.32	$1,294.23
03/15/2047	$43,809.07	$1,593.55	$290.97	$1,302.58
04/15/2047	$42,481.15	$1,614.14	$286.22	$1,327.92
05/15/2047	$41,144.56	$1,614.14	$277.54	$1,336.59
06/15/2047	$39,799.23	$1,614.14	$268.81	$1,345.33
07/15/2047	$38,445.12	$1,614.14	$260.02	$1,354.12
08/15/2047	$37,082.15	$1,614.14	$251.17	$1,362.96
09/15/2047	$35,710.28	$1,614.14	$242.27	$1,371.87
10/15/2047	$34,329.45	$1,614.14	$233.31	$1,380.83
11/15/2047	$32,939.60	$1,614.14	$224.29	$1,389.85
12/15/2047	$31,540.67	$1,614.14	$215.21	$1,398.93
01/15/2048	$30,132.60	$1,614.14	$206.07	$1,408.07
02/15/2048	$28,715.33	$1,614.14	$196.87	$1,417.27
03/15/2048	$27,288.80	$1,614.14	$187.61	$1,426.53
04/15/2048	$25,834.63	$1,634.73	$180.56	$1,454.17
05/15/2048	$24,370.84	$1,634.73	$170.94	$1,463.79
06/15/2048	$22,897.37	$1,634.73	$161.25	$1,473.47
07/15/2048	$21,414.15	$1,634.73	$151.50	$1,483.22
08/15/2048	$19,921.11	$1,634.73	$141.69	$1,493.04
09/15/2048	$18,418.20	$1,634.73	$131.81	$1,502.91
10/15/2048	$16,905.34	$1,634.73	$121.87	$1,512.86
11/15/2048	$15,382.47	$1,634.73	$111.86	$1,522.87
12/15/2048	$13,849.52	$1,634.73	$101.78	$1,532.95
01/15/2049	$12,306.44	$1,634.73	$91.64	$1,543.09
02/15/2049	$10,753.14	$1,634.73	$81.43	$1,553.30
03/15/2049	$9,189.56	$1,634.73	$71.15	$1,563.58
04/15/2049	$7,595.82	$1,655.31	$61.57	$1,593.74
05/15/2049	$5,991.39	$1,655.31	$50.89	$1,604.42
06/15/2049	$4,376.22	$1,655.31	$40.14	$1,615.17
07/15/2049	$2,750.23	$1,655.31	$29.32	$1,625.99
08/15/2049	$1,113.34	$1,655.31	$18.43	$1,636.89
09/15/2049	$-534.52	$1,655.31	$7.46	$1,647.86
10/15/2049	$-2,193.41	$1,655.31	$-3.58	$1,658.90
11/15/2049	$-3,863.42	$1,655.31	$-14.70	$1,670.01
12/15/2049	$-5,544.62	$1,655.31	$-25.88	$1,681.20
01/15/2050	$-7,237.09	$1,655.31	$-37.15	$1,692.46
02/15/2050	$-8,940.89	$1,655.31	$-48.49	$1,703.80
03/15/2050	$-10,656.11	$1,655.31	$-59.90	$1,715.22
04/15/2050	$-12,404.29	$1,675.90	$-72.28	$1,748.19
05/15/2050	$-14,164.34	$1,675.90	$-84.14	$1,760.05
06/15/2050	$-15,936.32	$1,675.90	$-96.08	$1,771.98
07/15/2050	$-17,720.33	$1,675.90	$-108.10	$1,784.00
08/15/2050	$-19,516.43	$1,675.90	$-120.20	$1,796.11
09/15/2050	$-21,324.72	$1,675.90	$-132.39	$1,808.29
10/15/2050	$-23,145.28	$1,675.90	$-144.65	$1,820.56
11/15/2050	$-24,978.19	$1,675.90	$-157.00	$1,832.91
12/15/2050	$-26,823.52	$1,675.90	$-169.44	$1,845.34
01/15/2051	$-28,681.38	$1,675.90	$-181.95	$1,857.86
02/15/2051	$-30,551.84	$1,675.90	$-194.56	$1,870.46
03/15/2051	$-32,434.99	$1,675.90	$-207.24	$1,883.15
04/15/2051	$-34,354.20	$1,696.49	$-222.72	$1,919.21
05/15/2051	$-36,286.59	$1,696.49	$-235.90	$1,932.39
06/15/2051	$-38,232.25	$1,696.49	$-249.17	$1,945.66
07/15/2051	$-40,191.27	$1,696.49	$-262.53	$1,959.02
08/15/2051	$-42,163.74	$1,696.49	$-275.98	$1,972.47
09/15/2051	$-44,149.75	$1,696.49	$-289.52	$1,986.02
10/15/2051	$-46,149.41	$1,696.49	$-303.16	$1,999.65
11/15/2051	$-48,162.79	$1,696.49	$-316.89	$2,013.38
12/15/2051	$-50,190.00	$1,696.49	$-330.72	$2,027.21
01/15/2052	$-52,231.13	$1,696.49	$-344.64	$2,041.13
02/15/2052	$-54,286.28	$1,696.49	$-358.65	$2,055.15
03/15/2052	$-56,355.53	$1,696.49	$-372.77	$2,069.26
04/15/2052	$-58,464.29	$1,717.08	$-391.67	$2,108.75
05/15/2052	$-60,587.69	$1,717.08	$-406.33	$2,123.41
06/15/2052	$-62,725.86	$1,717.08	$-421.08	$2,138.16
07/15/2052	$-64,878.88	$1,717.08	$-435.94	$2,153.02
08/15/2052	$-67,046.87	$1,717.08	$-450.91	$2,167.99
09/15/2052	$-69,229.93	$1,717.08	$-465.98	$2,183.06
10/15/2052	$-71,428.15	$1,717.08	$-481.15	$2,198.23
11/15/2052	$-73,641.66	$1,717.08	$-496.43	$2,213.51
12/15/2052	$-75,870.55	$1,717.08	$-511.81	$2,228.89
01/15/2053	$-78,114.93	$1,717.08	$-527.30	$2,244.38
02/15/2053	$-80,374.91	$1,717.08	$-542.90	$2,259.98
03/15/2053	$-82,650.59	$1,717.08	$-558.61	$2,275.69
04/15/2053	$-84,969.57	$1,737.67	$-581.31	$2,318.98
05/15/2053	$-87,304.86	$1,737.67	$-597.62	$2,335.29
06/15/2053	$-89,656.57	$1,737.67	$-614.04	$2,351.71
07/15/2053	$-92,024.83	$1,737.67	$-630.58	$2,368.25
08/15/2053	$-94,409.74	$1,737.67	$-647.24	$2,384.91
09/15/2053	$-96,811.42	$1,737.67	$-664.02	$2,401.68
10/15/2053	$-99,230.00	$1,737.67	$-680.91	$2,418.58
11/15/2053	$-101,665.58	$1,737.67	$-697.92	$2,435.59
12/15/2053	$-104,118.30	$1,737.67	$-715.05	$2,452.72
01/15/2054	$-106,588.27	$1,737.67	$-732.30	$2,469.97
02/15/2054	$-109,075.61	$1,737.67	$-749.67	$2,487.34
03/15/2054	$-111,580.44	$1,737.67	$-767.17	$2,504.83
04/15/2054	$-114,132.78	$1,758.26	$-794.08	$2,552.34
05/15/2054	$-116,703.28	$1,758.26	$-812.24	$2,570.50
06/15/2054	$-119,292.07	$1,758.26	$-830.54	$2,588.80
07/15/2054	$-121,899.29	$1,758.26	$-848.96	$2,607.22
08/15/2054	$-124,525.07	$1,758.26	$-867.52	$2,625.77
09/15/2054	$-127,169.53	$1,758.26	$-886.20	$2,644.46
10/15/2054	$-129,832.81	$1,758.26	$-905.02	$2,663.28
11/15/2054	$-132,515.04	$1,758.26	$-923.98	$2,682.23
12/15/2054	$-135,216.36	$1,758.26	$-943.07	$2,701.32
01/15/2055	$-137,936.91	$1,758.26	$-962.29	$2,720.55
02/15/2055	$-140,676.82	$1,758.26	$-981.65	$2,739.91
03/15/2055	$-143,436.23	$1,758.26	$-1,001.15	$2,759.41
TOTAL:	-	$525,500.64	$181,843.22	$343,657.42

Change options for different scenario in the form below:

Featured Massachusetts Home Equity Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Eastern Bank Equal Housing Lender	Intro APR 6.990 % After Intro: 6.990 %	$25,000	Learn More
Simple online applications means you can apply anywhere. Ability to convert your variable rate into as many as five fixed-rate loans. For a limited time, no appraisal fees, no closing costs! Easy access to funds through your phone or online. More Info
The Annual Percentage Rate (APR) is variable and based on the Prime Rate (Prime) published in the Wall Street Journal (7.50% APR on 4/1/2025) minus 0.51% APR adjusted after each billing cycle. To qualify for the lowest rate, a minimum draw of $25,000 is required at closing with automatic payments from an Eastern Checking Account. This offer is not available to customers having an existing FlexEquity account [as of April 1, 2025] that was opened after February 1, 2023. Minimum APR is 3.99%. Maximum APR is 18%. Minimum line amount is $10,000 and maximum line amount is $2,000,000. Must be for first or second lien, secured by your 1-4 family primary or secondary residence located in MA, NH, RI and CT. Investment properties are not eligible to be used to secure the line. Combined loan to value limits apply. Property insurance is required. Flood insurance may be required. Subject to credit application and approval. Rates are subject to change without notice. For a limited time, Eastern Bank will pay for appraisal fees when the appraisal is required by the Bank. To qualify for a free appraisal, you must submit your application between 4/1/2025 and 4/30/2025. Appraisal fees range from $490 for single family homes to $610 for multifamily properties but could be higher. Title Search is paid by Eastern Bank as is Title Insurance unless the amount borrowed is greater than $750,000 then customer may incur a title Insurance fee, the fee varies by loan amount and state (CT, MA, NH & RI). Certain fees could apply depending on your situation. Customer is responsible for trust and power of attorney review ($100 each), recording fees for power of attorney and for properties held in trust ($105- $123). A list of fees is available upon request. A $350 early cancellation fee applies if the line is closed or rewritten within the first 24 months. Subject to a $50 annual participation fee (waived for Premier, Private Bank or Select Checking account customers).
Figure Home Equity	Intro APR 7.300 % After Intro: 7.300 %	$15,000	Learn More
Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US More Info
Available APRs range from 6.65% - 15.40*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.
CrossCountry Mortgage, LLC	Unlock Your Home's Potential		Learn More
Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions! Unlock Your Home's Value: Discover the Power of our Online HELOC! Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step Secure Your Future: Experience the Ease of our Fixed Home Equity Loans More Info
Please note that the interest rates offered are subject to change based on market conditions and borrower eligibility. The pricing and rate provided are accurate as of the specified date. It is important to be aware that the minimum loan amount for any loan program is $50,000. The specific amount and terms of the credit offer will be determined based on underwriting approval and guidelines, which include factors such as your credit history, your ability to make payments, and the available equity in your home. To qualify for this offer, you must meet the required criteria and demonstrate creditworthiness. Additionally, providing up to two years of income verification may be necessary. The severity of your credit may also impact the required down payment. It is crucial to understand that the lender reserves the right to cancel this offer if the provided information cannot be verified. Please note that all bankruptcies must be discharged in order to be eligible. This offer is nontransferable and is specifically available for single-family residences or owner-occupied condominiums. Please be aware that mobile homes and cooperatives are not included in this offer. It is important to note that the lender must hold a valid first lien position, and property hazard insurance is a requirement. These are some key details to consider when evaluating this offer. It is essential to thoroughly review the terms and conditions and seek clarification from the lender regarding any specific questions or concerns you may have before proceeding with the application process.
Reliant Home Funding, Inc	Intro APR 7.300 % After Intro: 7.300 %	$15,000	Learn More
Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company.
Figure Home Equity Line Equal Housing Lender	HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k online.		Learn More
Fastest way to turn home equity into cash Flexible terms, redraw up to 100%, borrow $15k-$400k Approval in as little as 5 minutes. Funding in as few as 5 days. Use to consolidate debt or finance your next home project More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
AmeriSave Mortgage Corporation	Home Equity Loans & Refinance – Cash out		Learn More
Home Equity Loans & Refinance – Cash out Customized rate quote with no impact to credit Low Rates, Quick Approvals, Wide Range of Products Over 100 Billion Funded. 22 Years in Business More Info
• Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 100 Billion Funded. 22 Years in Business
PenFed Credit Union Equal Housing Lender	Home Equity Line of Credit - Equal Housing Lender		Learn More
Home Equity Line of Credit - Equal Housing Lender Loans Amounts from $25,000 - $500,000 Get a HELOC from PenFed to Put Your Home Equity to Work HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans More Info
Interest-only payments during the 10-year draw period
New American Funding, LLC	Cash-Out and Home Equity Options Available.		Learn More
Competitive Rates for FICO Scores 580-679 366k+ positive reviews, A rating from the BBB Pay off higher interest rate credit cards, Pay college tuition 100% online mortgage application available More Info
Cash-Out and Home Equity Options Available.
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Home Equity Line of Credit product from CITIZENS EQUITY FIRST - Amortization Schedule Calculator

Home Equity product from CITIZENS EQUITY FIRST

Featured Massachusetts Home Equity Rates 2025

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