Use this calculator to help estimate your personalized interest rate, monthly payment, and line amount with a HELOC through Prosper.
Est. variable rate¹
Est. credit line
Est. monthly payment²
Est. fixed rate⁴
Est. loan amount
Est. monthly payment²
Est. variable rate¹
Est. credit line
Est. monthly payment²
Est. mo. payment²
Est. fixed rate⁴
Est. loan amount
Est. monthly payment²
Est. mo. payment²
Enjoy our no-stress, speedy digital process
Enjoy our no-stress, digital process
This calculator is a self-help tool for your independent use and is intended for illustration purposes only. Results aren’t guaranteed, and may not be relevant to your specific circumstance.
HELOC payments are based on the outstanding line balance each month.
You can pay off your outstanding balance at any time. Because HELOCs are lines of credit and typically have variable interest rates, monthly payment amounts are not usually fixed.
A home equity line of credit through Prosper uses a number of factors, such as your credit history, debt-to-income ratio (DTI), and combined loan-to-value ratio (CLTV) to determine your maximum home equity line of credit.
You may qualify through Prosper for a HELOC with a CLTV as high as 95%. CLTV is your outstanding mortgage loan debt and any other liens secured by your home expressed as a percentage of your home’s fair market value.
Example: 40,000 (mortgage balance owed) / $100,000 (home value) = CLTV 40%
Use this calculator for an estimate of monthly payments and rates.
To get a more accurate estimate, you’ll answer a few questions about your property and finances. This information will allow us to find your personalized interest rate and offer(s), if one or more are available.
The HELOC rate calculator estimates your interest rate based on several factors.
Some of these factors include your credit score range, property characteristics, and the amount you want to borrow.
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