Home Equity Calculator
Home Value ($)
Mortgage Owed ($)
Annual Appreciation (%)
Home equity is the portion of your property you truly own — the difference between its current market value and the outstanding mortgage balance. It builds over time as you pay down the loan and as the property appreciates.
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Tip: Every extra mortgage payment directly increases your equity dollar for dollar.
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Fun Fact
US homeowners collectively hold over $30 trillion in home equity — the largest store of household wealth in America.
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