Home Equity Line of Credit product from Bank of America - Amortization Schedule Calculator

Use the calculator below to calculate your monthly home equity payment for the line of credit from Bank of America. 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 line of credit.

Home Equity product from Bank of America

Product Total Termlength: 30 Years
Interest Rate: 8.94%
Rate change (per year): 0.1%

Monthly Payment: Year 1: $2,589.64, Year 2: $2,618.28, Year 3: $2,646.93, Year 4: $2,675.58, Year 5: $2,704.22, Year 6: $2,732.87, Year 7: $2,761.51, Year 8: $2,790.16, Year 9: $2,818.81, Year 10: $2,847.45, Year 11: $2,876.10, Year 12: $2,904.75, Year 13: $2,933.39, Year 14: $2,962.04, Year 15: $2,990.69, Year 16: $3,019.33, Year 17: $3,047.98, Year 18: $3,076.62, Year 19: $3,105.27, Year 20: $3,133.92, Year 21: $3,162.56, Year 22: $3,191.21, Year 23: $3,219.86, Year 24: $3,248.50, Year 25: $3,277.15, Year 26: $3,305.80, Year 27: $3,334.44, Year 28: $3,363.09, Year 29: $3,391.74, Year 30: $3,420.38,

Date	Principal Balance^?	Monthly Payment^?	Interest^?	Monthly Amortization^?
12/13/2025	$320,000.00	$2,589.64	$2,410.67	$178.97
01/13/2026	$319,821.03	$2,589.64	$2,410.67	$178.97
02/13/2026	$319,640.71	$2,589.64	$2,409.32	$180.32
03/13/2026	$319,459.04	$2,589.64	$2,407.96	$181.68
04/13/2026	$319,275.99	$2,589.64	$2,406.59	$183.04
05/13/2026	$319,091.57	$2,589.64	$2,405.21	$184.42
06/13/2026	$318,905.76	$2,589.64	$2,403.82	$185.81
07/13/2026	$318,718.54	$2,589.64	$2,402.42	$187.21
08/13/2026	$318,529.92	$2,589.64	$2,401.01	$188.62
09/13/2026	$318,339.88	$2,589.64	$2,399.59	$190.04
10/13/2026	$318,148.40	$2,589.64	$2,398.16	$191.48
11/13/2026	$317,955.48	$2,589.64	$2,396.72	$192.92
12/13/2026	$317,758.96	$2,618.28	$2,421.76	$196.52
01/13/2027	$317,560.95	$2,618.28	$2,420.26	$198.02
02/13/2027	$317,361.42	$2,618.28	$2,418.76	$199.53
03/13/2027	$317,160.37	$2,618.28	$2,417.24	$201.05
04/13/2027	$316,957.80	$2,618.28	$2,415.70	$202.58
05/13/2027	$316,753.67	$2,618.28	$2,414.16	$204.12
06/13/2027	$316,548.00	$2,618.28	$2,412.61	$205.68
07/13/2027	$316,340.76	$2,618.28	$2,411.04	$207.24
08/13/2027	$316,131.94	$2,618.28	$2,409.46	$208.82
09/13/2027	$315,921.53	$2,618.28	$2,407.87	$210.41
10/13/2027	$315,709.51	$2,618.28	$2,406.27	$212.01
11/13/2027	$315,495.89	$2,618.28	$2,404.65	$213.63
12/13/2027	$315,278.28	$2,646.93	$2,429.32	$217.61
01/13/2028	$315,058.99	$2,646.93	$2,427.64	$219.29
02/13/2028	$314,838.01	$2,646.93	$2,425.95	$220.97
03/13/2028	$314,615.34	$2,646.93	$2,424.25	$222.68
04/13/2028	$314,390.95	$2,646.93	$2,422.54	$224.39
05/13/2028	$314,164.83	$2,646.93	$2,420.81	$226.12
06/13/2028	$313,936.97	$2,646.93	$2,419.07	$227.86
07/13/2028	$313,707.36	$2,646.93	$2,417.31	$229.61
08/13/2028	$313,475.97	$2,646.93	$2,415.55	$231.38
09/13/2028	$313,242.81	$2,646.93	$2,413.77	$233.16
10/13/2028	$313,007.85	$2,646.93	$2,411.97	$234.96
11/13/2028	$312,771.08	$2,646.93	$2,410.16	$236.77
12/13/2028	$312,529.91	$2,675.58	$2,434.40	$241.17
01/13/2029	$312,286.86	$2,675.58	$2,432.52	$243.05
02/13/2029	$312,041.92	$2,675.58	$2,430.63	$244.94
03/13/2029	$311,795.07	$2,675.58	$2,428.73	$246.85
04/13/2029	$311,546.30	$2,675.58	$2,426.80	$248.77
05/13/2029	$311,295.59	$2,675.58	$2,424.87	$250.71
06/13/2029	$311,042.93	$2,675.58	$2,422.92	$252.66
07/13/2029	$310,788.31	$2,675.58	$2,420.95	$254.62
08/13/2029	$310,531.70	$2,675.58	$2,418.97	$256.61
09/13/2029	$310,273.10	$2,675.58	$2,416.97	$258.60
10/13/2029	$310,012.48	$2,675.58	$2,414.96	$260.62
11/13/2029	$309,749.84	$2,675.58	$2,412.93	$262.64
12/13/2029	$309,482.32	$2,704.22	$2,436.70	$267.52
01/13/2030	$309,212.69	$2,704.22	$2,434.59	$269.63
02/13/2030	$308,940.94	$2,704.22	$2,432.47	$271.75
03/13/2030	$308,667.05	$2,704.22	$2,430.34	$273.89
04/13/2030	$308,391.01	$2,704.22	$2,428.18	$276.04
05/13/2030	$308,112.80	$2,704.22	$2,426.01	$278.21
06/13/2030	$307,832.40	$2,704.22	$2,423.82	$280.40
07/13/2030	$307,549.79	$2,704.22	$2,421.61	$282.61
08/13/2030	$307,264.96	$2,704.22	$2,419.39	$284.83
09/13/2030	$306,977.89	$2,704.22	$2,417.15	$287.07
10/13/2030	$306,688.57	$2,704.22	$2,414.89	$289.33
11/13/2030	$306,396.96	$2,704.22	$2,412.62	$291.60
12/13/2030	$306,099.95	$2,732.87	$2,435.86	$297.01
01/13/2031	$305,800.58	$2,732.87	$2,433.49	$299.37
02/13/2031	$305,498.82	$2,732.87	$2,431.11	$301.75
03/13/2031	$305,194.67	$2,732.87	$2,428.72	$304.15
04/13/2031	$304,888.10	$2,732.87	$2,426.30	$306.57
05/13/2031	$304,579.09	$2,732.87	$2,423.86	$309.01
06/13/2031	$304,267.63	$2,732.87	$2,421.40	$311.46
07/13/2031	$303,953.69	$2,732.87	$2,418.93	$313.94
08/13/2031	$303,637.25	$2,732.87	$2,416.43	$316.44
09/13/2031	$303,318.30	$2,732.87	$2,413.92	$318.95
10/13/2031	$302,996.81	$2,732.87	$2,411.38	$321.49
11/13/2031	$302,672.77	$2,732.87	$2,408.82	$324.04
12/13/2031	$302,342.73	$2,761.51	$2,431.47	$330.04
01/13/2032	$302,010.03	$2,761.51	$2,428.82	$332.69
02/13/2032	$301,674.66	$2,761.51	$2,426.15	$335.37
03/13/2032	$301,336.60	$2,761.51	$2,423.45	$338.06
04/13/2032	$300,995.83	$2,761.51	$2,420.74	$340.78
05/13/2032	$300,652.31	$2,761.51	$2,418.00	$343.51
06/13/2032	$300,306.04	$2,761.51	$2,415.24	$346.27
07/13/2032	$299,956.98	$2,761.51	$2,412.46	$349.06
08/13/2032	$299,605.12	$2,761.51	$2,409.65	$351.86
09/13/2032	$299,250.44	$2,761.51	$2,406.83	$354.69
10/13/2032	$298,892.90	$2,761.51	$2,403.98	$357.54
11/13/2032	$298,532.49	$2,761.51	$2,401.11	$360.41
12/13/2032	$298,165.42	$2,790.16	$2,423.09	$367.07
01/13/2033	$297,795.37	$2,790.16	$2,420.11	$370.05
02/13/2033	$297,422.31	$2,790.16	$2,417.11	$373.06
03/13/2033	$297,046.23	$2,790.16	$2,414.08	$376.08
04/13/2033	$296,667.09	$2,790.16	$2,411.03	$379.14
05/13/2033	$296,284.88	$2,790.16	$2,407.95	$382.21
06/13/2033	$295,899.57	$2,790.16	$2,404.85	$385.32
07/13/2033	$295,511.12	$2,790.16	$2,401.72	$388.44
08/13/2033	$295,119.53	$2,790.16	$2,398.57	$391.60
09/13/2033	$294,724.75	$2,790.16	$2,395.39	$394.77
10/13/2033	$294,326.78	$2,790.16	$2,392.18	$397.98
11/13/2033	$293,925.57	$2,790.16	$2,388.95	$401.21
12/13/2033	$293,516.95	$2,818.81	$2,410.19	$408.62
01/13/2034	$293,104.98	$2,818.81	$2,406.84	$411.97
02/13/2034	$292,689.64	$2,818.81	$2,403.46	$415.35
03/13/2034	$292,270.88	$2,818.81	$2,400.06	$418.75
04/13/2034	$291,848.70	$2,818.81	$2,396.62	$422.19
05/13/2034	$291,423.05	$2,818.81	$2,393.16	$425.65
06/13/2034	$290,993.91	$2,818.81	$2,389.67	$429.14
07/13/2034	$290,561.25	$2,818.81	$2,386.15	$432.66
08/13/2034	$290,125.05	$2,818.81	$2,382.60	$436.20
09/13/2034	$289,685.27	$2,818.81	$2,379.03	$439.78
10/13/2034	$289,241.88	$2,818.81	$2,375.42	$443.39
11/13/2034	$288,794.86	$2,818.81	$2,371.78	$447.02
12/13/2034	$288,339.59	$2,847.45	$2,392.18	$455.27
01/13/2035	$287,880.55	$2,847.45	$2,388.41	$459.04
02/13/2035	$287,417.70	$2,847.45	$2,384.61	$462.84
03/13/2035	$286,951.03	$2,847.45	$2,380.78	$466.68
04/13/2035	$286,480.48	$2,847.45	$2,376.91	$470.54
05/13/2035	$286,006.04	$2,847.45	$2,373.01	$474.44
06/13/2035	$285,527.67	$2,847.45	$2,369.08	$478.37
07/13/2035	$285,045.34	$2,847.45	$2,365.12	$482.33
08/13/2035	$284,559.01	$2,847.45	$2,361.13	$486.33
09/13/2035	$284,068.66	$2,847.45	$2,357.10	$490.36
10/13/2035	$283,574.24	$2,847.45	$2,353.04	$494.42
11/13/2035	$283,075.72	$2,847.45	$2,348.94	$498.51
12/13/2035	$282,568.02	$2,876.10	$2,368.40	$507.70
01/13/2036	$282,056.08	$2,876.10	$2,364.15	$511.95
02/13/2036	$281,539.85	$2,876.10	$2,359.87	$516.23
03/13/2036	$281,019.30	$2,876.10	$2,355.55	$520.55
04/13/2036	$280,494.39	$2,876.10	$2,351.19	$524.91
05/13/2036	$279,965.09	$2,876.10	$2,346.80	$529.30
06/13/2036	$279,431.37	$2,876.10	$2,342.37	$533.73
07/13/2036	$278,893.18	$2,876.10	$2,337.91	$538.19
08/13/2036	$278,350.48	$2,876.10	$2,333.41	$542.69
09/13/2036	$277,803.25	$2,876.10	$2,328.87	$547.23
10/13/2036	$277,251.44	$2,876.10	$2,324.29	$551.81
11/13/2036	$276,695.01	$2,876.10	$2,319.67	$556.43
12/13/2036	$276,128.33	$2,904.75	$2,338.07	$566.67
01/13/2037	$275,556.87	$2,904.75	$2,333.28	$571.46
02/13/2037	$274,980.58	$2,904.75	$2,328.46	$576.29
03/13/2037	$274,399.42	$2,904.75	$2,323.59	$581.16
04/13/2037	$273,813.35	$2,904.75	$2,318.68	$586.07
05/13/2037	$273,222.33	$2,904.75	$2,313.72	$591.02
06/13/2037	$272,626.31	$2,904.75	$2,308.73	$596.02
07/13/2037	$272,025.25	$2,904.75	$2,303.69	$601.05
08/13/2037	$271,419.12	$2,904.75	$2,298.61	$606.13
09/13/2037	$270,807.87	$2,904.75	$2,293.49	$611.25
10/13/2037	$270,191.45	$2,904.75	$2,288.33	$616.42
11/13/2037	$269,569.82	$2,904.75	$2,283.12	$621.63
12/13/2037	$268,936.75	$2,933.39	$2,300.33	$633.06
01/13/2038	$268,298.29	$2,933.39	$2,294.93	$638.47
02/13/2038	$267,654.37	$2,933.39	$2,289.48	$643.91
03/13/2038	$267,004.96	$2,933.39	$2,283.98	$649.41
04/13/2038	$266,350.01	$2,933.39	$2,278.44	$654.95
05/13/2038	$265,689.47	$2,933.39	$2,272.85	$660.54
06/13/2038	$265,023.30	$2,933.39	$2,267.22	$666.18
07/13/2038	$264,351.44	$2,933.39	$2,261.53	$671.86
08/13/2038	$263,673.84	$2,933.39	$2,255.80	$677.59
09/13/2038	$262,990.47	$2,933.39	$2,250.02	$683.38
10/13/2038	$262,301.26	$2,933.39	$2,244.19	$689.21
11/13/2038	$261,606.17	$2,933.39	$2,238.30	$695.09
12/13/2038	$260,898.31	$2,962.04	$2,254.17	$707.87
01/13/2039	$260,184.34	$2,962.04	$2,248.07	$713.97
02/13/2039	$259,464.22	$2,962.04	$2,241.92	$720.12
03/13/2039	$258,737.90	$2,962.04	$2,235.72	$726.32
04/13/2039	$258,005.32	$2,962.04	$2,229.46	$732.58
05/13/2039	$257,266.43	$2,962.04	$2,223.15	$738.89
06/13/2039	$256,521.17	$2,962.04	$2,216.78	$745.26
07/13/2039	$255,769.48	$2,962.04	$2,210.36	$751.68
08/13/2039	$255,011.32	$2,962.04	$2,203.88	$758.16
09/13/2039	$254,246.63	$2,962.04	$2,197.35	$764.69
10/13/2039	$253,475.35	$2,962.04	$2,190.76	$771.28
11/13/2039	$252,697.43	$2,962.04	$2,184.11	$777.93
12/13/2039	$251,905.21	$2,990.69	$2,198.47	$792.22
01/13/2040	$251,106.10	$2,990.69	$2,191.58	$799.11
02/13/2040	$250,300.03	$2,990.69	$2,184.62	$806.06
03/13/2040	$249,486.96	$2,990.69	$2,177.61	$813.08
04/13/2040	$248,666.81	$2,990.69	$2,170.54	$820.15
05/13/2040	$247,839.53	$2,990.69	$2,163.40	$827.28
06/13/2040	$247,005.04	$2,990.69	$2,156.20	$834.48
07/13/2040	$246,163.30	$2,990.69	$2,148.94	$841.74
08/13/2040	$245,314.24	$2,990.69	$2,141.62	$849.06
09/13/2040	$244,457.79	$2,990.69	$2,134.23	$856.45
10/13/2040	$243,593.88	$2,990.69	$2,126.78	$863.90
11/13/2040	$242,722.46	$2,990.69	$2,119.27	$871.42
12/13/2040	$241,835.04	$3,019.33	$2,131.91	$887.42
01/13/2041	$240,939.83	$3,019.33	$2,124.12	$895.21
02/13/2041	$240,036.75	$3,019.33	$2,116.25	$903.08
03/13/2041	$239,125.74	$3,019.33	$2,108.32	$911.01
04/13/2041	$238,206.73	$3,019.33	$2,100.32	$919.01
05/13/2041	$237,279.65	$3,019.33	$2,092.25	$927.08
06/13/2041	$236,344.42	$3,019.33	$2,084.11	$935.23
07/13/2041	$235,400.98	$3,019.33	$2,075.89	$943.44
08/13/2041	$234,449.26	$3,019.33	$2,067.61	$951.73
09/13/2041	$233,489.17	$3,019.33	$2,059.25	$960.09
10/13/2041	$232,520.65	$3,019.33	$2,050.81	$968.52
11/13/2041	$231,543.63	$3,019.33	$2,042.31	$977.03
12/13/2041	$230,548.67	$3,047.98	$2,053.02	$994.96
01/13/2042	$229,544.89	$3,047.98	$2,044.20	$1,003.78
02/13/2042	$228,532.21	$3,047.98	$2,035.30	$1,012.68
03/13/2042	$227,510.55	$3,047.98	$2,026.32	$1,021.66
04/13/2042	$226,479.83	$3,047.98	$2,017.26	$1,030.72
05/13/2042	$225,439.97	$3,047.98	$2,008.12	$1,039.86
06/13/2042	$224,390.89	$3,047.98	$1,998.90	$1,049.08
07/13/2042	$223,332.51	$3,047.98	$1,989.60	$1,058.38
08/13/2042	$222,264.75	$3,047.98	$1,980.21	$1,067.76
09/13/2042	$221,187.52	$3,047.98	$1,970.75	$1,077.23
10/13/2042	$220,100.74	$3,047.98	$1,961.20	$1,086.78
11/13/2042	$219,004.32	$3,047.98	$1,951.56	$1,096.42
12/13/2042	$217,887.78	$3,076.62	$1,960.09	$1,116.54
01/13/2043	$216,761.25	$3,076.62	$1,950.10	$1,126.53
02/13/2043	$215,624.64	$3,076.62	$1,940.01	$1,136.61
03/13/2043	$214,477.86	$3,076.62	$1,929.84	$1,146.78
04/13/2043	$213,320.81	$3,076.62	$1,919.58	$1,157.05
05/13/2043	$212,153.41	$3,076.62	$1,909.22	$1,167.40
06/13/2043	$210,975.55	$3,076.62	$1,898.77	$1,177.85
07/13/2043	$209,787.16	$3,076.62	$1,888.23	$1,188.39
08/13/2043	$208,588.13	$3,076.62	$1,877.60	$1,199.03
09/13/2043	$207,378.37	$3,076.62	$1,866.86	$1,209.76
10/13/2043	$206,157.78	$3,076.62	$1,856.04	$1,220.59
11/13/2043	$204,926.27	$3,076.62	$1,845.11	$1,231.51
12/13/2043	$203,672.16	$3,105.27	$1,851.17	$1,254.10
01/13/2044	$202,406.73	$3,105.27	$1,839.84	$1,265.43
02/13/2044	$201,129.87	$3,105.27	$1,828.41	$1,276.86
03/13/2044	$199,841.47	$3,105.27	$1,816.87	$1,288.40
04/13/2044	$198,541.43	$3,105.27	$1,805.23	$1,300.04
05/13/2044	$197,229.65	$3,105.27	$1,793.49	$1,311.78
06/13/2044	$195,906.02	$3,105.27	$1,781.64	$1,323.63
07/13/2044	$194,570.44	$3,105.27	$1,769.68	$1,335.59
08/13/2044	$193,222.78	$3,105.27	$1,757.62	$1,347.65
09/13/2044	$191,862.96	$3,105.27	$1,745.45	$1,359.83
10/13/2044	$190,490.85	$3,105.27	$1,733.16	$1,372.11
11/13/2044	$189,106.34	$3,105.27	$1,720.77	$1,384.50
12/13/2044	$187,696.45	$3,133.92	$1,724.02	$1,409.90
01/13/2045	$186,273.69	$3,133.92	$1,711.17	$1,422.75
02/13/2045	$184,837.97	$3,133.92	$1,698.20	$1,435.72
03/13/2045	$183,389.16	$3,133.92	$1,685.11	$1,448.81
04/13/2045	$181,927.14	$3,133.92	$1,671.90	$1,462.02
05/13/2045	$180,451.79	$3,133.92	$1,658.57	$1,475.35
06/13/2045	$178,962.99	$3,133.92	$1,645.12	$1,488.80
07/13/2045	$177,460.62	$3,133.92	$1,631.55	$1,502.37
08/13/2045	$175,944.55	$3,133.92	$1,617.85	$1,516.07
09/13/2045	$174,414.66	$3,133.92	$1,604.03	$1,529.89
10/13/2045	$172,870.83	$3,133.92	$1,590.08	$1,543.84
11/13/2045	$171,312.91	$3,133.92	$1,576.01	$1,557.91
12/13/2045	$169,726.43	$3,162.56	$1,576.08	$1,586.49
01/13/2046	$168,125.35	$3,162.56	$1,561.48	$1,601.08
02/13/2046	$166,509.54	$3,162.56	$1,546.75	$1,615.81
03/13/2046	$164,878.86	$3,162.56	$1,531.89	$1,630.68
04/13/2046	$163,233.18	$3,162.56	$1,516.89	$1,645.68
05/13/2046	$161,572.36	$3,162.56	$1,501.75	$1,660.82
06/13/2046	$159,896.26	$3,162.56	$1,486.47	$1,676.10
07/13/2046	$158,204.75	$3,162.56	$1,471.05	$1,691.52
08/13/2046	$156,497.67	$3,162.56	$1,455.48	$1,707.08
09/13/2046	$154,774.88	$3,162.56	$1,439.78	$1,722.79
10/13/2046	$153,036.24	$3,162.56	$1,423.93	$1,738.64
11/13/2046	$151,281.61	$3,162.56	$1,407.93	$1,754.63
12/13/2046	$149,494.80	$3,191.21	$1,404.40	$1,786.81
01/13/2047	$147,691.40	$3,191.21	$1,387.81	$1,803.40
02/13/2047	$145,871.26	$3,191.21	$1,371.07	$1,820.14
03/13/2047	$144,034.22	$3,191.21	$1,354.17	$1,837.04
04/13/2047	$142,180.13	$3,191.21	$1,337.12	$1,854.09
05/13/2047	$140,308.82	$3,191.21	$1,319.91	$1,871.31
06/13/2047	$138,420.14	$3,191.21	$1,302.53	$1,888.68
07/13/2047	$136,513.93	$3,191.21	$1,285.00	$1,906.21
08/13/2047	$134,590.03	$3,191.21	$1,267.30	$1,923.91
09/13/2047	$132,648.26	$3,191.21	$1,249.44	$1,941.77
10/13/2047	$130,688.47	$3,191.21	$1,231.42	$1,959.79
11/13/2047	$128,710.48	$3,191.21	$1,213.22	$1,977.99
12/13/2047	$126,696.21	$3,219.86	$1,205.59	$2,014.27
01/13/2048	$124,663.08	$3,219.86	$1,186.72	$2,033.14
02/13/2048	$122,610.90	$3,219.86	$1,167.68	$2,052.18
03/13/2048	$120,539.50	$3,219.86	$1,148.46	$2,071.40
04/13/2048	$118,448.69	$3,219.86	$1,129.05	$2,090.80
05/13/2048	$116,338.31	$3,219.86	$1,109.47	$2,110.39
06/13/2048	$114,208.15	$3,219.86	$1,089.70	$2,130.15
07/13/2048	$112,058.04	$3,219.86	$1,069.75	$2,150.11
08/13/2048	$109,887.80	$3,219.86	$1,049.61	$2,170.25
09/13/2048	$107,697.22	$3,219.86	$1,029.28	$2,190.57
10/13/2048	$105,486.13	$3,219.86	$1,008.76	$2,211.09
11/13/2048	$103,254.33	$3,219.86	$988.05	$2,231.80
12/13/2048	$100,981.58	$3,248.50	$975.75	$2,272.75
01/13/2049	$98,687.35	$3,248.50	$954.28	$2,294.23
02/13/2049	$96,371.44	$3,248.50	$932.60	$2,315.91
03/13/2049	$94,033.65	$3,248.50	$910.71	$2,337.79
04/13/2049	$91,673.76	$3,248.50	$888.62	$2,359.89
05/13/2049	$89,291.58	$3,248.50	$866.32	$2,382.19
06/13/2049	$86,886.88	$3,248.50	$843.81	$2,404.70
07/13/2049	$84,459.46	$3,248.50	$821.08	$2,427.42
08/13/2049	$82,009.09	$3,248.50	$798.14	$2,450.36
09/13/2049	$79,535.58	$3,248.50	$774.99	$2,473.52
10/13/2049	$77,038.68	$3,248.50	$751.61	$2,496.89
11/13/2049	$74,518.20	$3,248.50	$728.02	$2,520.49
12/13/2049	$71,951.45	$3,277.15	$710.41	$2,566.74
01/13/2050	$69,360.24	$3,277.15	$685.94	$2,591.21
02/13/2050	$66,744.33	$3,277.15	$661.23	$2,615.92
03/13/2050	$64,103.47	$3,277.15	$636.30	$2,640.85
04/13/2050	$61,437.44	$3,277.15	$611.12	$2,666.03
05/13/2050	$58,746.00	$3,277.15	$585.70	$2,691.45
06/13/2050	$56,028.89	$3,277.15	$560.05	$2,717.10
07/13/2050	$53,285.88	$3,277.15	$534.14	$2,743.01
08/13/2050	$50,516.73	$3,277.15	$507.99	$2,769.16
09/13/2050	$47,721.17	$3,277.15	$481.59	$2,795.56
10/13/2050	$44,898.96	$3,277.15	$454.94	$2,822.21
11/13/2050	$42,049.85	$3,277.15	$428.04	$2,849.11
12/13/2050	$39,148.43	$3,305.80	$404.38	$2,901.42
01/13/2051	$36,219.11	$3,305.80	$376.48	$2,929.32
02/13/2051	$33,261.62	$3,305.80	$348.31	$2,957.49
03/13/2051	$30,275.69	$3,305.80	$319.87	$2,985.93
04/13/2051	$27,261.05	$3,305.80	$291.15	$3,014.64
05/13/2051	$24,217.41	$3,305.80	$262.16	$3,043.64
06/13/2051	$21,144.51	$3,305.80	$232.89	$3,072.91
07/13/2051	$18,042.05	$3,305.80	$203.34	$3,102.46
08/13/2051	$14,909.76	$3,305.80	$173.50	$3,132.29
09/13/2051	$11,747.34	$3,305.80	$143.38	$3,162.41
10/13/2051	$8,554.52	$3,305.80	$112.97	$3,192.83
11/13/2051	$5,330.99	$3,305.80	$82.27	$3,223.53
12/13/2051	$2,048.26	$3,334.44	$51.71	$3,282.73
01/13/2052	$-1,266.32	$3,334.44	$19.87	$3,314.57
02/13/2052	$-4,613.04	$3,334.44	$-12.28	$3,346.73
03/13/2052	$-7,992.23	$3,334.44	$-44.75	$3,379.19
04/13/2052	$-11,404.20	$3,334.44	$-77.52	$3,411.97
05/13/2052	$-14,849.26	$3,334.44	$-110.62	$3,445.06
06/13/2052	$-18,327.75	$3,334.44	$-144.04	$3,478.48
07/13/2052	$-21,839.97	$3,334.44	$-177.78	$3,512.22
08/13/2052	$-25,386.26	$3,334.44	$-211.85	$3,546.29
09/13/2052	$-28,966.95	$3,334.44	$-246.25	$3,580.69
10/13/2052	$-32,582.37	$3,334.44	$-280.98	$3,615.42
11/13/2052	$-36,232.86	$3,334.44	$-316.05	$3,650.49
12/13/2052	$-39,950.43	$3,363.09	$-354.48	$3,717.57
01/13/2053	$-43,704.36	$3,363.09	$-390.85	$3,753.94
02/13/2053	$-47,495.03	$3,363.09	$-427.57	$3,790.66
03/13/2053	$-51,322.78	$3,363.09	$-464.66	$3,827.75
04/13/2053	$-55,187.97	$3,363.09	$-502.11	$3,865.20
05/13/2053	$-59,090.99	$3,363.09	$-539.92	$3,903.01
06/13/2053	$-63,032.18	$3,363.09	$-578.11	$3,941.20
07/13/2053	$-67,011.93	$3,363.09	$-616.66	$3,979.75
08/13/2053	$-71,030.62	$3,363.09	$-655.60	$4,018.69
09/13/2053	$-75,088.63	$3,363.09	$-694.92	$4,058.01
10/13/2053	$-79,186.34	$3,363.09	$-734.62	$4,097.71
11/13/2053	$-83,324.13	$3,363.09	$-774.71	$4,137.80
12/13/2053	$-87,538.00	$3,391.74	$-822.13	$4,213.87
01/13/2054	$-91,793.44	$3,391.74	$-863.71	$4,255.44
02/13/2054	$-96,090.87	$3,391.74	$-905.70	$4,297.43
03/13/2054	$-100,430.70	$3,391.74	$-948.10	$4,339.83
04/13/2054	$-104,813.36	$3,391.74	$-990.92	$4,382.65
05/13/2054	$-109,239.25	$3,391.74	$-1,034.16	$4,425.89
06/13/2054	$-113,708.81	$3,391.74	$-1,077.83	$4,469.56
07/13/2054	$-118,222.47	$3,391.74	$-1,121.93	$4,513.66
08/13/2054	$-122,780.67	$3,391.74	$-1,166.46	$4,558.20
09/13/2054	$-127,383.84	$3,391.74	$-1,211.44	$4,603.17
10/13/2054	$-132,032.43	$3,391.74	$-1,256.85	$4,648.59
11/13/2054	$-136,726.89	$3,391.74	$-1,302.72	$4,694.46
12/13/2054	$-141,507.70	$3,420.38	$-1,360.43	$4,780.81
01/13/2055	$-146,336.09	$3,420.38	$-1,408.00	$4,828.38
02/13/2055	$-151,212.51	$3,420.38	$-1,456.04	$4,876.43
03/13/2055	$-156,137.46	$3,420.38	$-1,504.56	$4,924.95
04/13/2055	$-161,111.41	$3,420.38	$-1,553.57	$4,973.95
05/13/2055	$-166,134.85	$3,420.38	$-1,603.06	$5,023.44
06/13/2055	$-171,208.27	$3,420.38	$-1,653.04	$5,073.42
07/13/2055	$-176,332.18	$3,420.38	$-1,703.52	$5,123.90
08/13/2055	$-181,507.06	$3,420.38	$-1,754.51	$5,174.89
09/13/2055	$-186,733.44	$3,420.38	$-1,806.00	$5,226.38
10/13/2055	$-192,011.82	$3,420.38	$-1,858.00	$5,278.38
11/13/2055	$-197,342.72	$3,420.38	$-1,910.52	$5,330.90
TOTAL:	-	$1,081,803.19	$564,281.50	$517,521.69

Change options for different scenario in the form below:

Featured Louisiana Home Equity Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union Equal Housing Lender	Loans Amounts from $25,000 - $500,000.		Learn More
Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender. More Info
Interest-only payments during the 10-year draw period
Upstart Home Lending	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More
As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873
Valley Strong Credit Union Equal Housing Lender	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More
Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing.
Owning.com	Find what’s best for you: HELOC, Home Equity Loan, Cash Out Refi		Learn More
Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed. More Info
Owning is a division of Guaranteed Rate, Inc, NMLS #2611 Headquarters: 3940 N Ravenswood, Chicago IL 60613. A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and government fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
Upstart Home Lending	As low as 6.52% APR on your initial draw*		Learn More
As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply More Info
1. APRs for initial advances range from 6.77% to 18.00% based on funded HELOCs as of September 2024. Your actual rate will depend on many factors such as your credit history, loan-to-value ratio, line amount, loan term, lien position, and property state. The lowest rates are only available to the most qualified applicants. The APR is variable, but the APR that will apply to each draw will be fixed on the date the draw is made. 2. As of October 2024, 10% of funded HELOCs achieved a closing timeline in as little as 3 days or less and a funding timeline in as little as 9 days or less. This timeline assumes consumers close with our remote online notary, provide supporting documentation promptly, and ensure the information provided is accurate and consistent with our verification process. Delays, discrepancies, and other unforeseen factors may impact the closing timeline. MBA’s 2024 Home Lending Study reports an average industry closing time of 31 days. 3. A Home Equity Line of Credit has a variable rate. The APR may change, but the APR that will apply to each draw will be fixed on the date the draw is made. Your APR will be the Prime Rate at the time of draw plus a margin fixed for the life of the HELOC. Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873
Unlock Technologies, Inc.	Get cash now in exchange for a percentage of your homes future equity.		Learn More
No monthly payments or interest charges Minimum Credit score: 500 Access up to $500k No need to refinance More Info
Unlock isn't a lender & doesn't offer loans, so you don't need perfect credit to apply! No Additional Debt!
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
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 Line of Credit product from Bank of America - Amortization Schedule Calculator

Home Equity product from Bank of America

Featured Louisiana Home Equity Rates 2025

Home Equity and Mortgage Rate Newsletter

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