Equity Calculator
How much usable equity do you actually have? See the combined ceiling (refinance or HELOC + mortgage) alongside the more conservative HELOC-only limit.
Usable equity at the combined LTV ceiling
$205,000
Current combined LTV: 55.9%. This is the same ceiling whether accessed through a cash-out refinance (one new blended mortgage) or a HELOC added on top of your existing mortgage.
The two ways to access it
Combined (refinance or HELOC + mortgage) One blended mortgage, or a HELOC layered on top of the existing mortgage | $205,000.00 |
HELOC alone Without touching the first mortgage — usually a lower ceiling on its own | $77,500.00 |
This is equity-access capacity only — it doesn't check income, credit, or debt-service qualification. Use the ADU Financing Calculator to see this alongside CMHC-specific programs sized against your build cost.
Where to go next
Read Using Equity to Build an ADU for the full explanation, or run the ADU Financing Calculator to see this equity alongside CMHC-specific programs sized against your build cost.