Home Equity Line of Credit product from Town Bank, National Association - Amortization Schedule Calculator

Use the calculator below to calculate your monthly home equity payment for the line of credit from Town Bank, National Association. 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 Town Bank, National Association

Interest Type: Adjustable
Term: 30 Years
Interest Rate: 1.990%
Rate change (per year): 0.1%

Monthly Payment: Year 1: $1,163.00, Year 2: $1,218.65, Year 3: $1,274.30, Year 4: $1,329.94, Year 5: $1,385.59, Year 6: $1,441.24, Year 7: $1,496.88, Year 8: $1,552.53, Year 9: $1,608.17, Year 10: $1,663.82, Year 11: $1,719.47, Year 12: $1,775.11, Year 13: $1,830.76, Year 14: $1,886.41, Year 15: $1,942.05, Year 16: $1,997.70, Year 17: $2,053.34, Year 18: $2,108.99, Year 19: $2,164.64, Year 20: $2,220.28, Year 21: $2,275.93, Year 22: $2,331.57, Year 23: $2,387.22, Year 24: $2,442.87, Year 25: $2,498.51, Year 26: $2,554.16, Year 27: $2,609.81, Year 28: $2,665.45, Year 29: $2,721.10, Year 30: $2,776.74,

Date	Principal Balance^?	Monthly Payment^?	Interest^?	Monthly Amortization^?
04/29/2025	$300,000.00	$1,163.00	$522.50	$640.50
05/29/2025	$299,359.50	$1,163.00	$522.50	$640.50
06/29/2025	$298,717.87	$1,163.00	$521.38	$641.62
07/29/2025	$298,075.14	$1,163.00	$520.27	$642.74
08/29/2025	$297,431.28	$1,163.00	$519.15	$643.86
09/29/2025	$296,786.30	$1,163.00	$518.03	$644.98
10/29/2025	$296,140.20	$1,163.00	$516.90	$646.10
11/29/2025	$295,492.97	$1,163.00	$515.78	$647.23
12/29/2025	$294,844.62	$1,163.00	$514.65	$648.35
01/29/2026	$294,195.13	$1,163.00	$513.52	$649.48
03/01/2026	$293,544.52	$1,163.00	$512.39	$650.62
04/01/2026	$292,892.77	$1,163.00	$511.26	$651.75
05/01/2026	$292,208.65	$1,218.65	$534.53	$684.12
06/01/2026	$291,523.28	$1,218.65	$533.28	$685.37
07/01/2026	$290,836.66	$1,218.65	$532.03	$686.62
08/01/2026	$290,148.78	$1,218.65	$530.78	$687.87
09/01/2026	$289,459.65	$1,218.65	$529.52	$689.13
10/01/2026	$288,769.26	$1,218.65	$528.26	$690.39
11/01/2026	$288,077.62	$1,218.65	$527.00	$691.65
12/01/2026	$287,384.71	$1,218.65	$525.74	$692.91
01/01/2027	$286,690.53	$1,218.65	$524.48	$694.17
02/01/2027	$285,995.09	$1,218.65	$523.21	$695.44
03/01/2027	$285,298.38	$1,218.65	$521.94	$696.71
04/01/2027	$284,600.40	$1,218.65	$520.67	$697.98
05/01/2027	$283,869.22	$1,274.30	$543.11	$731.18
06/01/2027	$283,136.64	$1,274.30	$541.72	$732.58
07/01/2027	$282,402.66	$1,274.30	$540.32	$733.98
08/01/2027	$281,667.28	$1,274.30	$538.92	$735.38
09/01/2027	$280,930.50	$1,274.30	$537.52	$736.78
10/01/2027	$280,192.31	$1,274.30	$536.11	$738.19
11/01/2027	$279,452.71	$1,274.30	$534.70	$739.60
12/01/2027	$278,711.70	$1,274.30	$533.29	$741.01
01/01/2028	$277,969.28	$1,274.30	$531.87	$742.42
02/01/2028	$277,225.44	$1,274.30	$530.46	$743.84
03/01/2028	$276,480.18	$1,274.30	$529.04	$745.26
04/01/2028	$275,733.50	$1,274.30	$527.62	$746.68
05/01/2028	$274,952.73	$1,329.94	$549.17	$780.77
06/01/2028	$274,170.40	$1,329.94	$547.61	$782.33
07/01/2028	$273,386.51	$1,329.94	$546.06	$783.89
08/01/2028	$272,601.06	$1,329.94	$544.49	$785.45
09/01/2028	$271,814.05	$1,329.94	$542.93	$787.01
10/01/2028	$271,025.47	$1,329.94	$541.36	$788.58
11/01/2028	$270,235.32	$1,329.94	$539.79	$790.15
12/01/2028	$269,443.59	$1,329.94	$538.22	$791.72
01/01/2029	$268,650.29	$1,329.94	$536.64	$793.30
02/01/2029	$267,855.41	$1,329.94	$535.06	$794.88
03/01/2029	$267,058.94	$1,329.94	$533.48	$796.46
04/01/2029	$266,260.89	$1,329.94	$531.89	$798.05
05/01/2029	$265,427.79	$1,385.59	$552.49	$833.10
06/01/2029	$264,592.97	$1,385.59	$550.76	$834.83
07/01/2029	$263,756.41	$1,385.59	$549.03	$836.56
08/01/2029	$262,918.11	$1,385.59	$547.29	$838.30
09/01/2029	$262,078.08	$1,385.59	$545.56	$840.03
10/01/2029	$261,236.30	$1,385.59	$543.81	$841.78
11/01/2029	$260,392.78	$1,385.59	$542.07	$843.52
12/01/2029	$259,547.50	$1,385.59	$540.32	$845.27
01/01/2030	$258,700.47	$1,385.59	$538.56	$847.03
02/01/2030	$257,851.69	$1,385.59	$536.80	$848.79
03/01/2030	$257,001.14	$1,385.59	$535.04	$850.55
04/01/2030	$256,148.83	$1,385.59	$533.28	$852.31
05/01/2030	$255,260.45	$1,441.24	$552.85	$888.38
06/01/2030	$254,370.15	$1,441.24	$550.94	$890.30
07/01/2030	$253,477.93	$1,441.24	$549.02	$892.22
08/01/2030	$252,583.78	$1,441.24	$547.09	$894.15
09/01/2030	$251,687.70	$1,441.24	$545.16	$896.08
10/01/2030	$250,789.69	$1,441.24	$543.23	$898.01
11/01/2030	$249,889.75	$1,441.24	$541.29	$899.95
12/01/2030	$248,987.86	$1,441.24	$539.35	$901.89
01/01/2031	$248,084.02	$1,441.24	$537.40	$903.84
02/01/2031	$247,178.23	$1,441.24	$535.45	$905.79
03/01/2031	$246,270.49	$1,441.24	$533.49	$907.74
04/01/2031	$245,360.79	$1,441.24	$531.53	$909.70
05/01/2031	$244,413.92	$1,496.88	$550.02	$946.86
06/01/2031	$243,464.93	$1,496.88	$547.89	$948.99
07/01/2031	$242,513.82	$1,496.88	$545.77	$951.11
08/01/2031	$241,560.57	$1,496.88	$543.64	$953.25
09/01/2031	$240,605.19	$1,496.88	$541.50	$955.38
10/01/2031	$239,647.66	$1,496.88	$539.36	$957.53
11/01/2031	$238,687.99	$1,496.88	$537.21	$959.67
12/01/2031	$237,726.17	$1,496.88	$535.06	$961.82
01/01/2032	$236,762.19	$1,496.88	$532.90	$963.98
02/01/2032	$235,796.05	$1,496.88	$530.74	$966.14
03/01/2032	$234,827.74	$1,496.88	$528.58	$968.31
04/01/2032	$233,857.27	$1,496.88	$526.41	$970.48
05/01/2032	$232,848.46	$1,552.53	$543.72	$1,008.81
06/01/2032	$231,837.30	$1,552.53	$541.37	$1,011.16
07/01/2032	$230,823.79	$1,552.53	$539.02	$1,013.51
08/01/2032	$229,807.93	$1,552.53	$536.67	$1,015.86
09/01/2032	$228,789.71	$1,552.53	$534.30	$1,018.22
10/01/2032	$227,769.11	$1,552.53	$531.94	$1,020.59
11/01/2032	$226,746.15	$1,552.53	$529.56	$1,022.96
12/01/2032	$225,720.81	$1,552.53	$527.18	$1,025.34
01/01/2033	$224,693.08	$1,552.53	$524.80	$1,027.73
02/01/2033	$223,662.96	$1,552.53	$522.41	$1,030.12
03/01/2033	$222,630.45	$1,552.53	$520.02	$1,032.51
04/01/2033	$221,595.54	$1,552.53	$517.62	$1,034.91
05/01/2033	$220,521.04	$1,608.17	$533.68	$1,074.50
06/01/2033	$219,443.95	$1,608.17	$531.09	$1,077.09
07/01/2033	$218,364.27	$1,608.17	$528.49	$1,079.68
08/01/2033	$217,281.99	$1,608.17	$525.89	$1,082.28
09/01/2033	$216,197.11	$1,608.17	$523.29	$1,084.89
10/01/2033	$215,109.61	$1,608.17	$520.67	$1,087.50
11/01/2033	$214,019.49	$1,608.17	$518.06	$1,090.12
12/01/2033	$212,926.74	$1,608.17	$515.43	$1,092.74
01/01/2034	$211,831.37	$1,608.17	$512.80	$1,095.38
02/01/2034	$210,733.35	$1,608.17	$510.16	$1,098.01
03/01/2034	$209,632.70	$1,608.17	$507.52	$1,100.66
04/01/2034	$208,529.39	$1,608.17	$504.87	$1,103.31
05/01/2034	$207,385.15	$1,663.82	$519.59	$1,144.23
06/01/2034	$206,238.07	$1,663.82	$516.73	$1,147.09
07/01/2034	$205,088.12	$1,663.82	$513.88	$1,149.94
08/01/2034	$203,935.31	$1,663.82	$511.01	$1,152.81
09/01/2034	$202,779.63	$1,663.82	$508.14	$1,155.68
10/01/2034	$201,621.07	$1,663.82	$505.26	$1,158.56
11/01/2034	$200,459.62	$1,663.82	$502.37	$1,161.45
12/01/2034	$199,295.28	$1,663.82	$499.48	$1,164.34
01/01/2035	$198,128.04	$1,663.82	$496.58	$1,167.24
02/01/2035	$196,957.88	$1,663.82	$493.67	$1,170.15
03/01/2035	$195,784.82	$1,663.82	$490.75	$1,173.07
04/01/2035	$194,608.83	$1,663.82	$487.83	$1,175.99
05/01/2035	$193,390.48	$1,719.47	$501.12	$1,218.35
06/01/2035	$192,168.99	$1,719.47	$497.98	$1,221.49
07/01/2035	$190,944.36	$1,719.47	$494.84	$1,224.63
08/01/2035	$189,716.58	$1,719.47	$491.68	$1,227.78
09/01/2035	$188,485.63	$1,719.47	$488.52	$1,230.95
10/01/2035	$187,251.51	$1,719.47	$485.35	$1,234.12
11/01/2035	$186,014.22	$1,719.47	$482.17	$1,237.29
12/01/2035	$184,773.74	$1,719.47	$478.99	$1,240.48
01/01/2036	$183,530.06	$1,719.47	$475.79	$1,243.67
02/01/2036	$182,283.19	$1,719.47	$472.59	$1,246.88
03/01/2036	$181,033.10	$1,719.47	$469.38	$1,250.09
04/01/2036	$179,779.79	$1,719.47	$466.16	$1,253.31
05/01/2036	$178,482.60	$1,775.11	$477.91	$1,297.20
06/01/2036	$177,181.95	$1,775.11	$474.47	$1,300.65
07/01/2036	$175,877.85	$1,775.11	$471.01	$1,304.10
08/01/2036	$174,570.27	$1,775.11	$467.54	$1,307.57
09/01/2036	$173,259.23	$1,775.11	$464.07	$1,311.05
10/01/2036	$171,944.70	$1,775.11	$460.58	$1,314.53
11/01/2036	$170,626.67	$1,775.11	$457.09	$1,318.03
12/01/2036	$169,305.14	$1,775.11	$453.58	$1,321.53
01/01/2037	$167,980.09	$1,775.11	$450.07	$1,325.04
02/01/2037	$166,651.53	$1,775.11	$446.55	$1,328.57
03/01/2037	$165,319.43	$1,775.11	$443.02	$1,332.10
04/01/2037	$163,983.79	$1,775.11	$439.47	$1,335.64
05/01/2037	$162,602.62	$1,830.76	$449.59	$1,381.17
06/01/2037	$161,217.67	$1,830.76	$445.80	$1,384.96
07/01/2037	$159,828.91	$1,830.76	$442.01	$1,388.75
08/01/2037	$158,436.35	$1,830.76	$438.20	$1,392.56
09/01/2037	$157,039.97	$1,830.76	$434.38	$1,396.38
10/01/2037	$155,639.76	$1,830.76	$430.55	$1,400.21
11/01/2037	$154,235.72	$1,830.76	$426.71	$1,404.05
12/01/2037	$152,827.82	$1,830.76	$422.86	$1,407.90
01/01/2038	$151,416.06	$1,830.76	$419.00	$1,411.76
02/01/2038	$150,000.44	$1,830.76	$415.13	$1,415.63
03/01/2038	$148,580.93	$1,830.76	$411.25	$1,419.51
04/01/2038	$147,157.53	$1,830.76	$407.36	$1,423.40
05/01/2038	$145,686.85	$1,886.41	$415.72	$1,470.69
06/01/2038	$144,212.01	$1,886.41	$411.57	$1,474.84
07/01/2038	$142,733.00	$1,886.41	$407.40	$1,479.01
08/01/2038	$141,249.81	$1,886.41	$403.22	$1,483.18
09/01/2038	$139,762.44	$1,886.41	$399.03	$1,487.37
10/01/2038	$138,270.86	$1,886.41	$394.83	$1,491.58
11/01/2038	$136,775.07	$1,886.41	$390.62	$1,495.79
12/01/2038	$135,275.06	$1,886.41	$386.39	$1,500.02
01/01/2039	$133,770.80	$1,886.41	$382.15	$1,504.25
02/01/2039	$132,262.30	$1,886.41	$377.90	$1,508.50
03/01/2039	$130,749.54	$1,886.41	$373.64	$1,512.76
04/01/2039	$129,232.50	$1,886.41	$369.37	$1,517.04
05/01/2039	$127,666.30	$1,942.05	$375.85	$1,566.20
06/01/2039	$126,095.54	$1,942.05	$371.30	$1,570.76
07/01/2039	$124,520.22	$1,942.05	$366.73	$1,575.32
08/01/2039	$122,940.32	$1,942.05	$362.15	$1,579.91
09/01/2039	$121,355.82	$1,942.05	$357.55	$1,584.50
10/01/2039	$119,766.71	$1,942.05	$352.94	$1,589.11
11/01/2039	$118,172.98	$1,942.05	$348.32	$1,593.73
12/01/2039	$116,574.61	$1,942.05	$343.69	$1,598.36
01/01/2040	$114,971.60	$1,942.05	$339.04	$1,603.01
02/01/2040	$113,363.92	$1,942.05	$334.38	$1,607.68
03/01/2040	$111,751.57	$1,942.05	$329.70	$1,612.35
04/01/2040	$110,134.53	$1,942.05	$325.01	$1,617.04
05/01/2040	$108,466.32	$1,997.70	$329.49	$1,668.21
06/01/2040	$106,793.12	$1,997.70	$324.50	$1,673.20
07/01/2040	$105,114.91	$1,997.70	$319.49	$1,678.21
08/01/2040	$103,431.68	$1,997.70	$314.47	$1,683.23
09/01/2040	$101,743.42	$1,997.70	$309.43	$1,688.26
10/01/2040	$100,050.10	$1,997.70	$304.38	$1,693.32
11/01/2040	$98,351.72	$1,997.70	$299.32	$1,698.38
12/01/2040	$96,648.26	$1,997.70	$294.24	$1,703.46
01/01/2041	$94,939.70	$1,997.70	$289.14	$1,708.56
02/01/2041	$93,226.03	$1,997.70	$284.03	$1,713.67
03/01/2041	$91,507.23	$1,997.70	$278.90	$1,718.80
04/01/2041	$89,783.30	$1,997.70	$273.76	$1,723.94
05/01/2041	$88,006.04	$2,053.34	$276.08	$1,777.26
06/01/2041	$86,223.31	$2,053.34	$270.62	$1,782.73
07/01/2041	$84,435.10	$2,053.34	$265.14	$1,788.21
08/01/2041	$82,641.40	$2,053.34	$259.64	$1,793.71
09/01/2041	$80,842.18	$2,053.34	$254.12	$1,799.22
10/01/2041	$79,037.42	$2,053.34	$248.59	$1,804.75
11/01/2041	$77,227.12	$2,053.34	$243.04	$1,810.30
12/01/2041	$75,411.25	$2,053.34	$237.47	$1,815.87
01/01/2042	$73,589.79	$2,053.34	$231.89	$1,821.45
02/01/2042	$71,762.74	$2,053.34	$226.29	$1,827.06
03/01/2042	$69,930.07	$2,053.34	$220.67	$1,832.67
04/01/2042	$68,091.76	$2,053.34	$215.03	$1,838.31
05/01/2042	$66,197.82	$2,108.99	$215.06	$1,893.93
06/01/2042	$64,297.91	$2,108.99	$209.07	$1,899.92
07/01/2042	$62,391.99	$2,108.99	$203.07	$1,905.92
08/01/2042	$60,480.06	$2,108.99	$197.05	$1,911.94
09/01/2042	$58,562.08	$2,108.99	$191.02	$1,917.97
10/01/2042	$56,638.05	$2,108.99	$184.96	$1,924.03
11/01/2042	$54,707.94	$2,108.99	$178.88	$1,930.11
12/01/2042	$52,771.74	$2,108.99	$172.79	$1,936.20
01/01/2043	$50,829.42	$2,108.99	$166.67	$1,942.32
02/01/2043	$48,880.97	$2,108.99	$160.54	$1,948.45
03/01/2043	$46,926.36	$2,108.99	$154.38	$1,954.61
04/01/2043	$44,965.58	$2,108.99	$148.21	$1,960.78
05/01/2043	$42,946.71	$2,164.64	$145.76	$2,018.87
06/01/2043	$40,921.29	$2,164.64	$139.22	$2,025.42
07/01/2043	$38,889.31	$2,164.64	$132.65	$2,031.98
08/01/2043	$36,850.74	$2,164.64	$126.07	$2,038.57
09/01/2043	$34,805.56	$2,164.64	$119.46	$2,045.18
10/01/2043	$32,753.75	$2,164.64	$112.83	$2,051.81
11/01/2043	$30,695.29	$2,164.64	$106.18	$2,058.46
12/01/2043	$28,630.16	$2,164.64	$99.50	$2,065.13
01/01/2044	$26,558.33	$2,164.64	$92.81	$2,071.83
02/01/2044	$24,479.79	$2,164.64	$86.09	$2,078.54
03/01/2044	$22,394.51	$2,164.64	$79.36	$2,085.28
04/01/2044	$20,302.47	$2,164.64	$72.60	$2,092.04
05/01/2044	$18,149.69	$2,220.28	$67.51	$2,152.78
06/01/2044	$15,989.76	$2,220.28	$60.35	$2,159.93
07/01/2044	$13,822.64	$2,220.28	$53.17	$2,167.12
08/01/2044	$11,648.32	$2,220.28	$45.96	$2,174.32
09/01/2044	$9,466.77	$2,220.28	$38.73	$2,181.55
10/01/2044	$7,277.96	$2,220.28	$31.48	$2,188.81
11/01/2044	$5,081.88	$2,220.28	$24.20	$2,196.08
12/01/2044	$2,878.49	$2,220.28	$16.90	$2,203.38
01/01/2045	$667.78	$2,220.28	$9.57	$2,210.71
02/01/2045	$-1,550.28	$2,220.28	$2.22	$2,218.06
03/01/2045	$-3,775.72	$2,220.28	$-5.15	$2,225.44
04/01/2045	$-6,008.55	$2,220.28	$-12.55	$2,232.84
05/01/2045	$-8,304.96	$2,275.93	$-20.48	$2,296.41
06/01/2045	$-10,609.20	$2,275.93	$-28.31	$2,304.23
07/01/2045	$-12,921.28	$2,275.93	$-36.16	$2,312.09
08/01/2045	$-15,241.25	$2,275.93	$-44.04	$2,319.97
09/01/2045	$-17,569.13	$2,275.93	$-51.95	$2,327.88
10/01/2045	$-19,904.94	$2,275.93	$-59.88	$2,335.81
11/01/2045	$-22,248.71	$2,275.93	$-67.84	$2,343.77
12/01/2045	$-24,600.47	$2,275.93	$-75.83	$2,351.76
01/01/2046	$-26,960.24	$2,275.93	$-83.85	$2,359.78
02/01/2046	$-29,328.06	$2,275.93	$-91.89	$2,367.82
03/01/2046	$-31,703.95	$2,275.93	$-99.96	$2,375.89
04/01/2046	$-34,087.93	$2,275.93	$-108.06	$2,383.99
05/01/2046	$-36,538.53	$2,331.57	$-119.02	$2,450.60
06/01/2046	$-38,997.69	$2,331.57	$-127.58	$2,459.15
07/01/2046	$-41,465.43	$2,331.57	$-136.17	$2,467.74
08/01/2046	$-43,941.79	$2,331.57	$-144.78	$2,476.36
09/01/2046	$-46,426.79	$2,331.57	$-153.43	$2,485.00
10/01/2046	$-48,920.47	$2,331.57	$-162.11	$2,493.68
11/01/2046	$-51,422.86	$2,331.57	$-170.81	$2,502.39
12/01/2046	$-53,933.99	$2,331.57	$-179.55	$2,511.13
01/01/2047	$-56,453.88	$2,331.57	$-188.32	$2,519.89
02/01/2047	$-58,982.58	$2,331.57	$-197.12	$2,528.69
03/01/2047	$-61,520.10	$2,331.57	$-205.95	$2,537.52
04/01/2047	$-64,066.48	$2,331.57	$-214.81	$2,546.38
05/01/2047	$-66,682.74	$2,387.22	$-229.04	$2,616.26
06/01/2047	$-69,308.35	$2,387.22	$-238.39	$2,625.61
07/01/2047	$-71,943.35	$2,387.22	$-247.78	$2,635.00
08/01/2047	$-74,587.77	$2,387.22	$-257.20	$2,644.42
09/01/2047	$-77,241.64	$2,387.22	$-266.65	$2,653.87
10/01/2047	$-79,905.00	$2,387.22	$-276.14	$2,663.36
11/01/2047	$-82,577.88	$2,387.22	$-285.66	$2,672.88
12/01/2047	$-85,260.32	$2,387.22	$-295.22	$2,682.44
01/01/2048	$-87,952.34	$2,387.22	$-304.81	$2,692.03
02/01/2048	$-90,653.99	$2,387.22	$-314.43	$2,701.65
03/01/2048	$-93,365.30	$2,387.22	$-324.09	$2,711.31
04/01/2048	$-96,086.30	$2,387.22	$-333.78	$2,721.00
05/01/2048	$-98,880.69	$2,442.87	$-351.52	$2,794.38
06/01/2048	$-101,685.29	$2,442.87	$-361.74	$2,804.61
07/01/2048	$-104,500.16	$2,442.87	$-372.00	$2,814.87
08/01/2048	$-107,325.32	$2,442.87	$-382.30	$2,825.16
09/01/2048	$-110,160.82	$2,442.87	$-392.63	$2,835.50
10/01/2048	$-113,006.69	$2,442.87	$-403.00	$2,845.87
11/01/2048	$-115,862.97	$2,442.87	$-413.42	$2,856.28
12/01/2048	$-118,729.71	$2,442.87	$-423.87	$2,866.73
01/01/2049	$-121,606.93	$2,442.87	$-434.35	$2,877.22
02/01/2049	$-124,494.67	$2,442.87	$-444.88	$2,887.75
03/01/2049	$-127,392.98	$2,442.87	$-455.44	$2,898.31
04/01/2049	$-130,301.89	$2,442.87	$-466.05	$2,908.91
05/01/2049	$-133,287.95	$2,498.51	$-487.55	$2,986.06
06/01/2049	$-136,285.19	$2,498.51	$-498.72	$2,997.23
07/01/2049	$-139,293.63	$2,498.51	$-509.93	$3,008.45
08/01/2049	$-142,313.34	$2,498.51	$-521.19	$3,019.70
09/01/2049	$-145,344.34	$2,498.51	$-532.49	$3,031.00
10/01/2049	$-148,386.68	$2,498.51	$-543.83	$3,042.34
11/01/2049	$-151,440.41	$2,498.51	$-555.21	$3,053.73
12/01/2049	$-154,505.56	$2,498.51	$-566.64	$3,065.15
01/01/2050	$-157,582.18	$2,498.51	$-578.11	$3,076.62
02/01/2050	$-160,670.31	$2,498.51	$-589.62	$3,088.13
03/01/2050	$-163,770.00	$2,498.51	$-601.17	$3,099.69
04/01/2050	$-166,881.29	$2,498.51	$-612.77	$3,111.29
05/01/2050	$-170,073.77	$2,554.16	$-638.32	$3,192.48
06/01/2050	$-173,278.46	$2,554.16	$-650.53	$3,204.69
07/01/2050	$-176,495.41	$2,554.16	$-662.79	$3,216.95
08/01/2050	$-179,724.66	$2,554.16	$-675.09	$3,229.25
09/01/2050	$-182,966.27	$2,554.16	$-687.45	$3,241.61
10/01/2050	$-186,220.28	$2,554.16	$-699.85	$3,254.01
11/01/2050	$-189,486.73	$2,554.16	$-712.29	$3,266.45
12/01/2050	$-192,765.67	$2,554.16	$-724.79	$3,278.95
01/01/2051	$-196,057.16	$2,554.16	$-737.33	$3,291.49
02/01/2051	$-199,361.24	$2,554.16	$-749.92	$3,304.08
03/01/2051	$-202,677.95	$2,554.16	$-762.56	$3,316.72
04/01/2051	$-206,007.36	$2,554.16	$-775.24	$3,329.40
05/01/2051	$-209,422.31	$2,609.81	$-805.15	$3,414.95
06/01/2051	$-212,850.61	$2,609.81	$-818.49	$3,428.30
07/01/2051	$-216,292.30	$2,609.81	$-831.89	$3,441.70
08/01/2051	$-219,747.45	$2,609.81	$-845.34	$3,455.15
09/01/2051	$-223,216.10	$2,609.81	$-858.85	$3,468.65
10/01/2051	$-226,698.31	$2,609.81	$-872.40	$3,482.21
11/01/2051	$-230,194.13	$2,609.81	$-886.01	$3,495.82
12/01/2051	$-233,703.61	$2,609.81	$-899.68	$3,509.48
01/01/2052	$-237,226.81	$2,609.81	$-913.39	$3,523.20
02/01/2052	$-240,763.77	$2,609.81	$-927.16	$3,536.97
03/01/2052	$-244,314.56	$2,609.81	$-940.99	$3,550.79
04/01/2052	$-247,879.23	$2,609.81	$-954.86	$3,564.67
05/01/2052	$-251,534.13	$2,665.45	$-989.45	$3,654.90
06/01/2052	$-255,203.63	$2,665.45	$-1,004.04	$3,669.49
07/01/2052	$-258,887.77	$2,665.45	$-1,018.69	$3,684.14
08/01/2052	$-262,586.61	$2,665.45	$-1,033.39	$3,698.85
09/01/2052	$-266,300.22	$2,665.45	$-1,048.16	$3,713.61
10/01/2052	$-270,028.65	$2,665.45	$-1,062.98	$3,728.43
11/01/2052	$-273,771.97	$2,665.45	$-1,077.86	$3,743.32
12/01/2052	$-277,530.23	$2,665.45	$-1,092.81	$3,758.26
01/01/2053	$-281,303.49	$2,665.45	$-1,107.81	$3,773.26
02/01/2053	$-285,091.81	$2,665.45	$-1,122.87	$3,788.32
03/01/2053	$-288,895.25	$2,665.45	$-1,137.99	$3,803.44
04/01/2053	$-292,713.88	$2,665.45	$-1,153.17	$3,818.63
05/01/2053	$-296,627.79	$2,721.10	$-1,192.81	$3,913.91
06/01/2053	$-300,557.64	$2,721.10	$-1,208.76	$3,929.86
07/01/2053	$-304,503.51	$2,721.10	$-1,224.77	$3,945.87
08/01/2053	$-308,465.46	$2,721.10	$-1,240.85	$3,961.95
09/01/2053	$-312,443.56	$2,721.10	$-1,257.00	$3,978.09
10/01/2053	$-316,437.86	$2,721.10	$-1,273.21	$3,994.31
11/01/2053	$-320,448.44	$2,721.10	$-1,289.48	$4,010.58
12/01/2053	$-324,475.37	$2,721.10	$-1,305.83	$4,026.93
01/01/2054	$-328,518.70	$2,721.10	$-1,322.24	$4,043.33
02/01/2054	$-332,578.51	$2,721.10	$-1,338.71	$4,059.81
03/01/2054	$-336,654.87	$2,721.10	$-1,355.26	$4,076.36
04/01/2054	$-340,747.84	$2,721.10	$-1,371.87	$4,092.97
05/01/2054	$-344,941.52	$2,776.74	$-1,416.94	$4,193.69
06/01/2054	$-349,152.65	$2,776.74	$-1,434.38	$4,211.13
07/01/2054	$-353,381.29	$2,776.74	$-1,451.89	$4,228.64
08/01/2054	$-357,627.51	$2,776.74	$-1,469.48	$4,246.22
09/01/2054	$-361,891.39	$2,776.74	$-1,487.13	$4,263.88
10/01/2054	$-366,172.99	$2,776.74	$-1,504.87	$4,281.61
11/01/2054	$-370,472.41	$2,776.74	$-1,522.67	$4,299.41
12/01/2054	$-374,789.70	$2,776.74	$-1,540.55	$4,317.29
01/01/2055	$-379,124.94	$2,776.74	$-1,558.50	$4,335.24
02/01/2055	$-383,478.22	$2,776.74	$-1,576.53	$4,353.27
03/01/2055	$-387,849.59	$2,776.74	$-1,594.63	$4,371.37
04/01/2055	$-392,239.14	$2,776.74	$-1,612.81	$4,389.55
TOTAL:	-	$709,154.81	$16,275.16	$692,879.65

Change options for different scenario in the form below:

Featured California Home Equity Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan Equal Housing Lender	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More
Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com.
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.
Point Digital Finance	Get up to $500k with no monthly payments, ever.		Learn More
No income requirements or need for perfect credit Your home wealth, to use your way Find out if you qualify in as little as 60 seconds Home Equity Investments are not considered a loan in all states More Info
Pointʼs Home Equity Investment (HEI) is an entirely new way to unlock your homeʼs wealth. Point partners with and invests alongside the homeowner in the property. Subject to underwriting approval, Point will pay you an upfront, lump sum amount in exchange for a portion of your home’s future appreciation. Future appreciation is based on using the risk adjusted Appreciation Starting Value and calculating any gain or loss based on the final appraised value of your home at the time of exit. Point charges up to a 3.9% processing fee (subject to a $2,000 minimum) and other third party paid closing costs such as appraisal, escrow, and government fees. The term is 30 years. Point will place a lien on your home to secure performance of the underlying agreement. There are no monthly payments or interest accrual. Homeowner’s repayment amount is based on the future value of the subject property at the time of exit, as outlined in the underlying agreement.
Four Leaf Federal Credit Union	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More
Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5] More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000.
Achieve Loans	Intro APR 8.750 % After Intro: 8.750 %	$0	Learn More
Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640 More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details.
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
The Loan Exchange	Intro APR 10.950 % After Intro: 10.950 %	$0	Learn More
Up to $250,000 in Home Equity Line of Credit. Your rate will never go above the start rate. It can only go lower. Low monthly payment - Interest only for the first 5 years Get approved online in less than 5 minutes. More Info
Your rate will never increase above the start rate. California properties only. Max CLTV 75%. 5 year interest only followed by a 20 year repayment period.
District Lending	No Lender Fees		Learn More
No Lender Fees Fast Easy Over 20 Years Experience More Info
HELOC, HELOAN or CASHOUT REFI all available.
Unlock Technologies, Inc.	Get cash now in exchange for a percentage of your homes future equity.		Learn More
No monthly payments or interest charges Minimum Credit score: 500 Access up to $500k No need to refinance More Info
Unlock isn't a lender & doesn't offer loans, so you don't need perfect credit to apply! No Additional Debt!
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
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 Town Bank, National Association - Amortization Schedule Calculator

Home Equity product from Town Bank, National Association

Featured California Home Equity Rates 2025

Home Equity and Mortgage Rate Newsletter

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