ESTIMATE AVAILABLE HOME EQUITY
Texas Home Equity
Calculator
See how the Texas 80% homestead-equity limit, existing mortgage debt, closing costs, and your requested financing may affect the amount of equity available.
TEXAS HOME EQUITY CALCULATOR
Build Your Plan
CURRENT MORTGAGE POSITION
Enter Existing Mortgage Liens
TEXAS HOMESTEAD LIMIT
Maximum Combined Loan-to-Value
TEXAS HOME EQUITY RULE
Texas home equity loans generally cannot exceed 80% of your home's fair market value.
The calculator subtracts the current first mortgage and any existing second lien from the 80% maximum debt amount.
BORROWING REQUEST
Estimate the Financing You Need
PAYMENT ESTIMATE
Model a Home-Equity Loan Payment
This planner models a closed-end home-equity loan payment. A HELOC may have a variable rate, interest-only draw period, minimum draw, annual fee, or different payment structure.
ESTIMATED MAXIMUM TEXAS HOME EQUITY
Estimated maximum additional financing under the Texas 80% homestead CLTV limit.
GOLDEN OAK INSIGHT
The requested financing fits within the Texas 80% homestead limit.
The planner estimates how much equity remains after adding the requested financing and selected closing-cost treatment.
ESTIMATED MONTHLY PAYMENT
$0
TEXAS HOME EQUITY CALCULATION
See Exactly How the Estimate Is Calculated
The maximum total secured debt is modeled at 80% of the home's estimated fair market value, less all existing mortgage liens.
CURRENT TOTAL EQUITY
$0
MAX AVAILABLE AT 80% CLTV
$0
REQUESTED SCENARIO
$0
Texas Home Equity Reminder: If the requested financing exceeds the modeled 80% limit, the calculator automatically caps the new loan at the estimated maximum amount. Actual eligibility and fair market value must be determined by the lender and applicable documentation.
NEXT PLANNING TOOLS
Continue Planning
OFFICIAL TEXAS RESOURCE
Texas Home Equity Guidance
TEXAS CONSTITUTION
Article XVI, Section 50
Review the constitutional provisions governing Texas homestead liens, including the 80% combined-loan-to-value limitation and other home-equity requirements.
Open Official Texas Resource →YOUR PLAN DESERVES A PERSONAL REVIEW
Review Your Texas Home Equity Options With Golden Oak
A personalized review can account for property value, state rules, occupancy, credit profile, lien position, draw period, variable-rate terms, closing costs, and the amount you actually need.
This planner provides estimates for educational purposes only and does not constitute a property valuation, loan offer, approval, rate quote, credit decision, legal advice, financial advice, or commitment to lend. For a Texas homestead, the calculator models total secured mortgage debt at no more than 80% of the home’s estimated fair market value. Actual fair market value, lien balances, available equity, rates, fees, payments, draw terms, qualification, property eligibility, seasoning, title requirements, and underwriting standards must be confirmed by the lender. Texas constitutional and statutory home-equity requirements include additional conditions not modeled here.