Home Equity Loan product from First Citizens Bank - Amortization Schedule Calculator

Use the calculator below to calculate your monthly home equity payment for the loan from First Citizens Bank. You can adjust loan amount, interest rate, and the home equity term to view the impact on the monthly payment amount. The calculator also provides an amortization table to show the amount of principal and interest payments a borrower will make over the life of the loan.

Home Equity product from First Citizens Bank

Product Total Termlength: 15 Years
Interest Rate: 6.65%

Monthly Payment: $ 2,814.00

Date	Principal Balance^?	Monthly Payment^?	Interest^?	Monthly Amortization^?
06/01/2025	$318,959.33	$2,814.00	$1,773.33	$1,040.67
07/01/2025	$317,912.90	$2,814.00	$1,767.57	$1,046.43
08/01/2025	$316,860.67	$2,814.00	$1,761.77	$1,052.23
09/01/2025	$315,802.61	$2,814.00	$1,755.94	$1,058.06
10/01/2025	$314,738.68	$2,814.00	$1,750.07	$1,063.93
11/01/2025	$313,668.86	$2,814.00	$1,744.18	$1,069.82
12/01/2025	$312,593.11	$2,814.00	$1,738.25	$1,075.75
01/01/2026	$311,511.40	$2,814.00	$1,732.29	$1,081.71
02/01/2026	$310,423.69	$2,814.00	$1,726.29	$1,087.71
03/01/2026	$309,329.96	$2,814.00	$1,720.26	$1,093.73
04/01/2026	$308,230.16	$2,814.00	$1,714.20	$1,099.80
05/01/2026	$307,124.27	$2,814.00	$1,708.11	$1,105.89
06/01/2026	$306,012.26	$2,814.00	$1,701.98	$1,112.02
07/01/2026	$304,894.07	$2,814.00	$1,695.82	$1,118.18
08/01/2026	$303,769.70	$2,814.00	$1,689.62	$1,124.38
09/01/2026	$302,639.09	$2,814.00	$1,683.39	$1,130.61
10/01/2026	$301,502.22	$2,814.00	$1,677.12	$1,136.87
11/01/2026	$300,359.04	$2,814.00	$1,670.82	$1,143.17
12/01/2026	$299,209.53	$2,814.00	$1,664.49	$1,149.51
01/01/2027	$298,053.65	$2,814.00	$1,658.12	$1,155.88
02/01/2027	$296,891.37	$2,814.00	$1,651.71	$1,162.28
03/01/2027	$295,722.64	$2,814.00	$1,645.27	$1,168.73
04/01/2027	$294,547.44	$2,814.00	$1,638.80	$1,175.20
05/01/2027	$293,365.73	$2,814.00	$1,632.28	$1,181.71
06/01/2027	$292,177.46	$2,814.00	$1,625.74	$1,188.26
07/01/2027	$290,982.61	$2,814.00	$1,619.15	$1,194.85
08/01/2027	$289,781.14	$2,814.00	$1,612.53	$1,201.47
09/01/2027	$288,573.02	$2,814.00	$1,605.87	$1,208.13
10/01/2027	$287,358.19	$2,814.00	$1,599.18	$1,214.82
11/01/2027	$286,136.64	$2,814.00	$1,592.44	$1,221.56
12/01/2027	$284,908.31	$2,814.00	$1,585.67	$1,228.32
01/01/2028	$283,673.18	$2,814.00	$1,578.87	$1,235.13
02/01/2028	$282,431.20	$2,814.00	$1,572.02	$1,241.98
03/01/2028	$281,182.35	$2,814.00	$1,565.14	$1,248.86
04/01/2028	$279,926.57	$2,814.00	$1,558.22	$1,255.78
05/01/2028	$278,663.83	$2,814.00	$1,551.26	$1,262.74
06/01/2028	$277,394.09	$2,814.00	$1,544.26	$1,269.74
07/01/2028	$276,117.32	$2,814.00	$1,537.23	$1,276.77
08/01/2028	$274,833.47	$2,814.00	$1,530.15	$1,283.85
09/01/2028	$273,542.51	$2,814.00	$1,523.04	$1,290.96
10/01/2028	$272,244.39	$2,814.00	$1,515.88	$1,298.12
11/01/2028	$270,939.08	$2,814.00	$1,508.69	$1,305.31
12/01/2028	$269,626.53	$2,814.00	$1,501.45	$1,312.54
01/01/2029	$268,306.72	$2,814.00	$1,494.18	$1,319.82
02/01/2029	$266,979.58	$2,814.00	$1,486.87	$1,327.13
03/01/2029	$265,645.10	$2,814.00	$1,479.51	$1,334.49
04/01/2029	$264,303.21	$2,814.00	$1,472.12	$1,341.88
05/01/2029	$262,953.90	$2,814.00	$1,464.68	$1,349.32
06/01/2029	$261,597.10	$2,814.00	$1,457.20	$1,356.80
07/01/2029	$260,232.79	$2,814.00	$1,449.68	$1,364.31
08/01/2029	$258,860.91	$2,814.00	$1,442.12	$1,371.88
09/01/2029	$257,481.43	$2,814.00	$1,434.52	$1,379.48
10/01/2029	$256,094.31	$2,814.00	$1,426.88	$1,387.12
11/01/2029	$254,699.50	$2,814.00	$1,419.19	$1,394.81
12/01/2029	$253,296.96	$2,814.00	$1,411.46	$1,402.54
01/01/2030	$251,886.65	$2,814.00	$1,403.69	$1,410.31
02/01/2030	$250,468.52	$2,814.00	$1,395.87	$1,418.13
03/01/2030	$249,042.54	$2,814.00	$1,388.01	$1,425.99
04/01/2030	$247,608.65	$2,814.00	$1,380.11	$1,433.89
05/01/2030	$246,166.82	$2,814.00	$1,372.16	$1,441.83
06/01/2030	$244,716.99	$2,814.00	$1,364.17	$1,449.82
07/01/2030	$243,259.13	$2,814.00	$1,356.14	$1,457.86
08/01/2030	$241,793.20	$2,814.00	$1,348.06	$1,465.94
09/01/2030	$240,319.13	$2,814.00	$1,339.94	$1,474.06
10/01/2030	$238,836.90	$2,814.00	$1,331.77	$1,482.23
11/01/2030	$237,346.46	$2,814.00	$1,323.55	$1,490.44
12/01/2030	$235,847.76	$2,814.00	$1,315.29	$1,498.70
01/01/2031	$234,340.75	$2,814.00	$1,306.99	$1,507.01
02/01/2031	$232,825.39	$2,814.00	$1,298.64	$1,515.36
03/01/2031	$231,301.63	$2,814.00	$1,290.24	$1,523.76
04/01/2031	$229,769.43	$2,814.00	$1,281.80	$1,532.20
05/01/2031	$228,228.73	$2,814.00	$1,273.31	$1,540.69
06/01/2031	$226,679.50	$2,814.00	$1,264.77	$1,549.23
07/01/2031	$225,121.69	$2,814.00	$1,256.18	$1,557.82
08/01/2031	$223,555.24	$2,814.00	$1,247.55	$1,566.45
09/01/2031	$221,980.11	$2,814.00	$1,238.87	$1,575.13
10/01/2031	$220,396.25	$2,814.00	$1,230.14	$1,583.86
11/01/2031	$218,803.61	$2,814.00	$1,221.36	$1,592.64
12/01/2031	$217,202.15	$2,814.00	$1,212.54	$1,601.46
01/01/2032	$215,591.81	$2,814.00	$1,203.66	$1,610.34
02/01/2032	$213,972.55	$2,814.00	$1,194.74	$1,619.26
03/01/2032	$212,344.32	$2,814.00	$1,185.76	$1,628.23
04/01/2032	$210,707.06	$2,814.00	$1,176.74	$1,637.26
05/01/2032	$209,060.73	$2,814.00	$1,167.67	$1,646.33
06/01/2032	$207,405.28	$2,814.00	$1,158.54	$1,655.45
07/01/2032	$205,740.65	$2,814.00	$1,149.37	$1,664.63
08/01/2032	$204,066.80	$2,814.00	$1,140.15	$1,673.85
09/01/2032	$202,383.67	$2,814.00	$1,130.87	$1,683.13
10/01/2032	$200,691.21	$2,814.00	$1,121.54	$1,692.46
11/01/2032	$198,989.38	$2,814.00	$1,112.16	$1,701.83
12/01/2032	$197,278.11	$2,814.00	$1,102.73	$1,711.27
01/01/2033	$195,557.36	$2,814.00	$1,093.25	$1,720.75
02/01/2033	$193,827.08	$2,814.00	$1,083.71	$1,730.28
03/01/2033	$192,087.21	$2,814.00	$1,074.13	$1,739.87
04/01/2033	$190,337.69	$2,814.00	$1,064.48	$1,749.52
05/01/2033	$188,578.48	$2,814.00	$1,054.79	$1,759.21
06/01/2033	$186,809.52	$2,814.00	$1,045.04	$1,768.96
07/01/2033	$185,030.76	$2,814.00	$1,035.24	$1,778.76
08/01/2033	$183,242.14	$2,814.00	$1,025.38	$1,788.62
09/01/2033	$181,443.61	$2,814.00	$1,015.47	$1,798.53
10/01/2033	$179,635.11	$2,814.00	$1,005.50	$1,808.50
11/01/2033	$177,816.59	$2,814.00	$995.48	$1,818.52
12/01/2033	$175,987.99	$2,814.00	$985.40	$1,828.60
01/01/2034	$174,149.26	$2,814.00	$975.27	$1,838.73
02/01/2034	$172,300.33	$2,814.00	$965.08	$1,848.92
03/01/2034	$170,441.17	$2,814.00	$954.83	$1,859.17
04/01/2034	$168,571.70	$2,814.00	$944.53	$1,869.47
05/01/2034	$166,691.87	$2,814.00	$934.17	$1,879.83
06/01/2034	$164,801.62	$2,814.00	$923.75	$1,890.25
07/01/2034	$162,900.90	$2,814.00	$913.28	$1,900.72
08/01/2034	$160,989.64	$2,814.00	$902.74	$1,911.26
09/01/2034	$159,067.79	$2,814.00	$892.15	$1,921.85
10/01/2034	$157,135.29	$2,814.00	$881.50	$1,932.50
11/01/2034	$155,192.09	$2,814.00	$870.79	$1,943.21
12/01/2034	$153,238.11	$2,814.00	$860.02	$1,953.98
01/01/2035	$151,273.31	$2,814.00	$849.19	$1,964.80
02/01/2035	$149,297.61	$2,814.00	$838.31	$1,975.69
03/01/2035	$147,310.97	$2,814.00	$827.36	$1,986.64
04/01/2035	$145,313.32	$2,814.00	$816.35	$1,997.65
05/01/2035	$143,304.60	$2,814.00	$805.28	$2,008.72
06/01/2035	$141,284.75	$2,814.00	$794.15	$2,019.85
07/01/2035	$139,253.70	$2,814.00	$782.95	$2,031.05
08/01/2035	$137,211.40	$2,814.00	$771.70	$2,042.30
09/01/2035	$135,157.78	$2,814.00	$760.38	$2,053.62
10/01/2035	$133,092.79	$2,814.00	$749.00	$2,065.00
11/01/2035	$131,016.34	$2,814.00	$737.56	$2,076.44
12/01/2035	$128,928.39	$2,814.00	$726.05	$2,087.95
01/01/2036	$126,828.87	$2,814.00	$714.48	$2,099.52
02/01/2036	$124,717.72	$2,814.00	$702.84	$2,111.16
03/01/2036	$122,594.86	$2,814.00	$691.14	$2,122.85
04/01/2036	$120,460.24	$2,814.00	$679.38	$2,134.62
05/01/2036	$118,313.80	$2,814.00	$667.55	$2,146.45
06/01/2036	$116,155.45	$2,814.00	$655.66	$2,158.34
07/01/2036	$113,985.15	$2,814.00	$643.69	$2,170.30
08/01/2036	$111,802.82	$2,814.00	$631.67	$2,182.33
09/01/2036	$109,608.39	$2,814.00	$619.57	$2,194.42
10/01/2036	$107,401.81	$2,814.00	$607.41	$2,206.59
11/01/2036	$105,182.99	$2,814.00	$595.19	$2,218.81
12/01/2036	$102,951.88	$2,814.00	$582.89	$2,231.11
01/01/2037	$100,708.41	$2,814.00	$570.53	$2,243.47
02/01/2037	$98,452.51	$2,814.00	$558.09	$2,255.91
03/01/2037	$96,184.10	$2,814.00	$545.59	$2,268.41
04/01/2037	$93,903.12	$2,814.00	$533.02	$2,280.98
05/01/2037	$91,609.50	$2,814.00	$520.38	$2,293.62
06/01/2037	$89,303.17	$2,814.00	$507.67	$2,306.33
07/01/2037	$86,984.06	$2,814.00	$494.89	$2,319.11
08/01/2037	$84,652.10	$2,814.00	$482.04	$2,331.96
09/01/2037	$82,307.21	$2,814.00	$469.11	$2,344.88
10/01/2037	$79,949.33	$2,814.00	$456.12	$2,357.88
11/01/2037	$77,578.39	$2,814.00	$443.05	$2,370.95
12/01/2037	$75,194.30	$2,814.00	$429.91	$2,384.09
01/01/2038	$72,797.01	$2,814.00	$416.70	$2,397.30
02/01/2038	$70,386.42	$2,814.00	$403.42	$2,410.58
03/01/2038	$67,962.48	$2,814.00	$390.06	$2,423.94
04/01/2038	$65,525.11	$2,814.00	$376.63	$2,437.37
05/01/2038	$63,074.23	$2,814.00	$363.12	$2,450.88
06/01/2038	$60,609.77	$2,814.00	$349.54	$2,464.46
07/01/2038	$58,131.65	$2,814.00	$335.88	$2,478.12
08/01/2038	$55,639.80	$2,814.00	$322.15	$2,491.85
09/01/2038	$53,134.13	$2,814.00	$308.34	$2,505.66
10/01/2038	$50,614.59	$2,814.00	$294.45	$2,519.55
11/01/2038	$48,081.08	$2,814.00	$280.49	$2,533.51
12/01/2038	$45,533.53	$2,814.00	$266.45	$2,547.55
01/01/2039	$42,971.86	$2,814.00	$252.33	$2,561.67
02/01/2039	$40,396.00	$2,814.00	$238.14	$2,575.86
03/01/2039	$37,805.86	$2,814.00	$223.86	$2,590.14
04/01/2039	$35,201.37	$2,814.00	$209.51	$2,604.49
05/01/2039	$32,582.45	$2,814.00	$195.07	$2,618.92
06/01/2039	$29,949.01	$2,814.00	$180.56	$2,633.44
07/01/2039	$27,300.98	$2,814.00	$165.97	$2,648.03
08/01/2039	$24,638.27	$2,814.00	$151.29	$2,662.71
09/01/2039	$21,960.81	$2,814.00	$136.54	$2,677.46
10/01/2039	$19,268.51	$2,814.00	$121.70	$2,692.30
11/01/2039	$16,561.29	$2,814.00	$106.78	$2,707.22
12/01/2039	$13,839.07	$2,814.00	$91.78	$2,722.22
01/01/2040	$11,101.76	$2,814.00	$76.69	$2,737.31
02/01/2040	$8,349.29	$2,814.00	$61.52	$2,752.48
03/01/2040	$5,581.56	$2,814.00	$46.27	$2,767.73
04/01/2040	$2,798.49	$2,814.00	$30.93	$2,783.07
05/01/2040	$0.00	$2,814.00	$15.51	$2,798.49
TOTAL:	-	$506,519.75	$186,519.75	$320,000.00

Change options for different scenario in the form below:

Featured California Home Equity Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Agave Home Loans Equal Housing Lender	8.625 % %	$497	Learn More
Low Rates and Great Service Earned Us 1200+ 5-Star Reviews and A+ BBB Rating More Info
This closed-end, fully amortizing home equity loan offers repayment terms from 15 to 30 years. The Annual Percentage Rate (APR) typically ranges from approximately 7.75% to 13.00%, depending on factors such as credit qualifications, loan-to-value ratio, property type, and market conditions. Origination fees of about 2% to 4% of the loan amount (potentially higher) may apply, and additional closing costs and fees may be required; these will be disclosed in your loan estimate. Minimum loan size of $50,000. All loan applications are subject to credit approval and formal underwriting, and product availability may vary based on property location, state restrictions, and other eligibility criteria. Rates and terms are for illustrative purposes only and are subject to change without notice; this is not a commitment to lend or an offer of credit. Homeowners insurance is required, and flood insurance may be required if the property is located in a Special Flood Hazard Area. Your home secures this loan, and you could lose your property if you fail to make payments. The maximum APR will not exceed the maximum permitted by law in your jurisdiction, and minimum and maximum loan amounts may apply. All information is provided “as is” without warranty of any kind. The lender assumes no liability for errors or omissions and reserves the right to modify or discontinue products at any time without prior notice.
Achieve Loans	9.500 % %	$523	Learn More
Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640 More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details.
AmeriSave Mortgage Corporation	Home Equity Loans & Refinance – Cash out		Learn More
Home Equity Loans & Refinance – Cash out Customized rate quote with no impact to credit Low Rates, Quick Approvals, Wide Range of Products Over 100 Billion Funded. 22 Years in Business More Info
• Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 100 Billion Funded. 22 Years in Business
District Lending	No Lender Fees		Learn More
No Lender Fees Fast Easy Over 20 Years Experience More Info
HELOC, HELOAN or CASHOUT REFI all available.
New American Funding, LLC	Cash-Out and Home Equity Options Available.		Learn More
Competitive Rates for FICO Scores 580-679 366k+ positive reviews, A rating from the BBB Pay off higher interest rate credit cards, Pay college tuition 100% online mortgage application available More Info
Cash-Out and Home Equity Options Available.
Point Digital Finance	Get up to $500k with no monthly payments, ever.		Learn More
No income requirements or need for perfect credit Your home wealth, to use your way Find out if you qualify in as little as 60 seconds Home Equity Investments are not considered a loan in all states More Info
Pointʼs Home Equity Investment (HEI) is an entirely new way to unlock your homeʼs wealth. Point partners with and invests alongside the homeowner in the property. Subject to underwriting approval, Point will pay you an upfront, lump sum amount in exchange for a portion of your home’s future appreciation. Future appreciation is based on using the risk adjusted Appreciation Starting Value and calculating any gain or loss based on the final appraised value of your home at the time of exit. Point charges up to a 3.9% processing fee (subject to a $2,000 minimum) and other third party paid closing costs such as appraisal, escrow, and government fees. The term is 30 years. Point will place a lien on your home to secure performance of the underlying agreement. There are no monthly payments or interest accrual. Homeowner’s repayment amount is based on the future value of the subject property at the time of exit, as outlined in the underlying agreement.
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Home Equity Loan product from First Citizens Bank - Amortization Schedule Calculator

Home Equity product from First Citizens Bank

Featured California Home Equity Rates 2025

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