HELOC calculator for renovated homes
You renovated. Now borrow against what your home is really worth.
Online home values only know what's in the county record. Reno Worth It adds the kitchen, roof, bath and every project since you bought, checks that value against recent sales near you, and matches you with national and local HELOC lenders.
- No credit check to get an estimate
- National and local lenders by ZIP
- Nothing goes to a lender until you apply
From county record to HELOC application in five steps
Most HELOC calculators start from an automated value that never saw your remodel. We start from the record and build up from there.
Find your home
Enter your address. We pull the public record: size, year built, last sale and an automated value.
Add your renovations
Log each project with its cost, year and permit. Attach receipts to make the case stronger.
Check it against the market
Recent nearby sales and permit records test your number and give you a value range.
See what you can borrow
Your credit score sets the max loan-to-value. We subtract your estimated mortgage balance.
Apply with lenders
Compare national banks, online lenders and local credit unions. Your details come with you.
Check your home's equity with your renovations included
Try it with the example home in Phoenix or enter your own address.
Early access. Property records, home values and recent sales come from public records through ATTOM Data. Permit matches and lender terms are estimates for now. Your contact details stay in your browser until you choose a lender.
Which home renovations add the most value?
Buyers rarely pay back the full cost of a project. This is the share of cost our estimate credits for common renovations before adjusting for age and permits.
- Garage door replacement95%
- Minor kitchen remodel85%
- Deck or patio75%
- Bathroom remodel70%
- Flooring70%
- Window replacement68%
- Roof replacement60%
- HVAC system60%
- Landscaping60%
- Major kitchen remodel55%
- Owned solar panels55%
- Swimming pool45%
Room additions and ADUs are valued by local price per square foot instead of cost. Credit drops about 4% a year after completion, and unpermitted work counts for half. Actual value depends on your market.
HELOC and home value questions
What is a HELOC?
A home equity line of credit (HELOC) is a revolving credit line secured by your home. You borrow what you need during a draw period, usually 10 years, often paying interest only, then repay principal and interest over a repayment period. Most HELOCs have a variable rate tied to the prime rate.
How much can I borrow with a HELOC?
Lenders multiply your home's value by a maximum combined loan-to-value (CLTV), often 80% to 90%, then subtract your mortgage and any other liens. A $500,000 home at 85% CLTV with a $250,000 mortgage could support a line of about $175,000.
Do renovations increase my home's value for a HELOC?
Yes, if the lender's valuation sees them. Automated values often miss work done after you bought. Showing permits, receipts and comparable sales of updated homes helps the appraisal or valuation reflect it.
What is CLTV?
Combined loan-to-value is everything you owe on the home, including the new line, divided by the home's value. Higher credit scores usually qualify for a higher maximum CLTV.
Does checking my HELOC estimate affect my credit?
No. Reno Worth It asks for an estimated score and does not pull your credit. A lender will check your credit when you apply.
Do unpermitted renovations count?
Often not, or only partly. Many appraisers and lenders exclude unpermitted additions and square footage, so our estimate counts unpermitted work at half value and flags it.
Is the estimate an appraisal or a loan offer?
No. It's an estimate to help you compare options. Your lender sets the final value, rate and line amount after you apply.