Calculators

HELOC available credit (CLTV) API

HELOC available credit = (homeValue·maxCLTV) − mortgageBalance, with current combined loan-to-value and equity, plus optional interest-only payment at full draw. Answers 'how much can I borrow on a HELOC', 'my available home equity line at 85% CLTV', 'what's my current CLTV and equity'.

Price$0.01per request

MethodPOST

Route/v1/calc/re-heloc

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

real-estatehelocequitycltvcredithome-equityfinancecalc

API URLhttps://x402.hexl.dev/v1/calc/re-heloc

Integration docs

Example request

{
  "homeValue": 500000,
  "mortgageBalance": 300000,
  "maxCltvPct": 85
}

Example response

{
  "homeValue": 500000,
  "mortgageBalance": 300000,
  "maxCltvPct": 85,
  "maxCombinedDebt": 425000,
  "availableCredit": 125000,
  "currentCltvPct": 60,
  "currentEquity": 200000
}

Input schema

{
  "type": "object",
  "required": [
    "homeValue",
    "mortgageBalance"
  ],
  "properties": {
    "homeValue": {
      "type": "number",
      "examples": [
        500000
      ]
    },
    "mortgageBalance": {
      "type": "number",
      "examples": [
        300000
      ]
    },
    "maxCltvPct": {
      "type": "number",
      "default": 85
    },
    "annualRatePct": {
      "type": "number",
      "description": "optional, to estimate interest-only payment",
      "examples": [
        9
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}