Home Equity Line of Credit product from CITIZENS EQUITY FIRST - Amortization Schedule Calculator

Use the calculator below to calculate your monthly home equity payment for the line of credit from CITIZENS EQUITY FIRST. 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 CITIZENS EQUITY FIRST

Interest Type: Adjustable
Term: 30 Years
Interest Rate: 5.540%
Rate change (per year): 0.1%

Monthly Payment: Year 1: $1,451.49, Year 2: $1,477.22, Year 3: $1,502.96, Year 4: $1,528.70, Year 5: $1,554.43, Year 6: $1,580.17, Year 7: $1,605.90, Year 8: $1,631.64, Year 9: $1,657.37, Year 10: $1,683.11, Year 11: $1,708.84, Year 12: $1,734.58, Year 13: $1,760.32, Year 14: $1,786.05, Year 15: $1,811.79, Year 16: $1,837.52, Year 17: $1,863.26, Year 18: $1,888.99, Year 19: $1,914.73, Year 20: $1,940.47, Year 21: $1,966.20, Year 22: $1,991.94, Year 23: $2,017.67, Year 24: $2,043.41, Year 25: $2,069.14, Year 26: $2,094.88, Year 27: $2,120.61, Year 28: $2,146.35, Year 29: $2,172.09, Year 30: $2,197.82,

Date	Principal Balance^?	Monthly Payment^?	Interest^?	Monthly Amortization^?
10/31/2025	$250,000.00	$1,451.49	$1,175.00	$276.49
12/01/2025	$249,723.51	$1,451.49	$1,175.00	$276.49
01/01/2026	$249,445.72	$1,451.49	$1,173.70	$277.79
02/01/2026	$249,166.63	$1,451.49	$1,172.39	$279.09
03/01/2026	$248,886.22	$1,451.49	$1,171.08	$280.41
04/01/2026	$248,604.50	$1,451.49	$1,169.77	$281.72
05/01/2026	$248,321.45	$1,451.49	$1,168.44	$283.05
06/01/2026	$248,037.08	$1,451.49	$1,167.11	$284.38
07/01/2026	$247,751.36	$1,451.49	$1,165.77	$285.71
08/01/2026	$247,464.30	$1,451.49	$1,164.43	$287.06
09/01/2026	$247,175.90	$1,451.49	$1,163.08	$288.41
10/01/2026	$246,886.14	$1,451.49	$1,161.73	$289.76
11/01/2026	$246,589.85	$1,477.22	$1,180.94	$296.29
12/01/2026	$246,292.15	$1,477.22	$1,179.52	$297.70
01/01/2027	$245,993.02	$1,477.22	$1,178.10	$299.13
02/01/2027	$245,692.46	$1,477.22	$1,176.67	$300.56
03/01/2027	$245,390.47	$1,477.22	$1,175.23	$302.00
04/01/2027	$245,087.03	$1,477.22	$1,173.78	$303.44
05/01/2027	$244,782.14	$1,477.22	$1,172.33	$304.89
06/01/2027	$244,475.79	$1,477.22	$1,170.87	$306.35
07/01/2027	$244,167.97	$1,477.22	$1,169.41	$307.82
08/01/2027	$243,858.68	$1,477.22	$1,167.94	$309.29
09/01/2027	$243,547.92	$1,477.22	$1,166.46	$310.77
10/01/2027	$243,235.66	$1,477.22	$1,164.97	$312.25
11/01/2027	$242,916.45	$1,502.96	$1,183.75	$319.21
12/01/2027	$242,595.68	$1,502.96	$1,182.19	$320.77
01/01/2028	$242,273.36	$1,502.96	$1,180.63	$322.33
02/01/2028	$241,949.46	$1,502.96	$1,179.06	$323.90
03/01/2028	$241,623.99	$1,502.96	$1,177.49	$325.47
04/01/2028	$241,296.93	$1,502.96	$1,175.90	$327.06
05/01/2028	$240,968.28	$1,502.96	$1,174.31	$328.65
06/01/2028	$240,638.04	$1,502.96	$1,172.71	$330.25
07/01/2028	$240,306.18	$1,502.96	$1,171.11	$331.85
08/01/2028	$239,972.71	$1,502.96	$1,169.49	$333.47
09/01/2028	$239,637.62	$1,502.96	$1,167.87	$335.09
10/01/2028	$239,300.90	$1,502.96	$1,166.24	$336.72
11/01/2028	$238,956.74	$1,528.70	$1,184.54	$344.16
12/01/2028	$238,610.88	$1,528.70	$1,182.84	$345.86
01/01/2029	$238,263.31	$1,528.70	$1,181.12	$347.57
02/01/2029	$237,914.02	$1,528.70	$1,179.40	$349.29
03/01/2029	$237,563.00	$1,528.70	$1,177.67	$351.02
04/01/2029	$237,210.24	$1,528.70	$1,175.94	$352.76
05/01/2029	$236,855.73	$1,528.70	$1,174.19	$354.50
06/01/2029	$236,499.47	$1,528.70	$1,172.44	$356.26
07/01/2029	$236,141.45	$1,528.70	$1,170.67	$358.02
08/01/2029	$235,781.65	$1,528.70	$1,168.90	$359.80
09/01/2029	$235,420.08	$1,528.70	$1,167.12	$361.58
10/01/2029	$235,056.71	$1,528.70	$1,165.33	$363.37
11/01/2029	$234,685.40	$1,554.43	$1,183.12	$371.31
12/01/2029	$234,312.22	$1,554.43	$1,181.25	$373.18
01/01/2030	$233,937.16	$1,554.43	$1,179.37	$375.06
02/01/2030	$233,560.21	$1,554.43	$1,177.48	$376.95
03/01/2030	$233,181.37	$1,554.43	$1,175.59	$378.84
04/01/2030	$232,800.62	$1,554.43	$1,173.68	$380.75
05/01/2030	$232,417.95	$1,554.43	$1,171.76	$382.67
06/01/2030	$232,033.35	$1,554.43	$1,169.84	$384.59
07/01/2030	$231,646.82	$1,554.43	$1,167.90	$386.53
08/01/2030	$231,258.35	$1,554.43	$1,165.96	$388.48
09/01/2030	$230,867.92	$1,554.43	$1,164.00	$390.43
10/01/2030	$230,475.52	$1,554.43	$1,162.04	$392.40
11/01/2030	$230,074.62	$1,580.17	$1,179.27	$400.90
12/01/2030	$229,671.67	$1,580.17	$1,177.22	$402.95
01/01/2031	$229,266.66	$1,580.17	$1,175.15	$405.01
02/01/2031	$228,859.57	$1,580.17	$1,173.08	$407.09
03/01/2031	$228,450.40	$1,580.17	$1,171.00	$409.17
04/01/2031	$228,039.14	$1,580.17	$1,168.90	$411.26
05/01/2031	$227,625.77	$1,580.17	$1,166.80	$413.37
06/01/2031	$227,210.29	$1,580.17	$1,164.69	$415.48
07/01/2031	$226,792.69	$1,580.17	$1,162.56	$417.61
08/01/2031	$226,372.94	$1,580.17	$1,160.42	$419.74
09/01/2031	$225,951.05	$1,580.17	$1,158.27	$421.89
10/01/2031	$225,527.00	$1,580.17	$1,156.12	$424.05
11/01/2031	$225,093.84	$1,605.90	$1,172.74	$433.16
12/01/2031	$224,658.42	$1,605.90	$1,170.49	$435.41
01/01/2032	$224,220.74	$1,605.90	$1,168.22	$437.68
02/01/2032	$223,780.79	$1,605.90	$1,165.95	$439.95
03/01/2032	$223,338.55	$1,605.90	$1,163.66	$442.24
04/01/2032	$222,894.01	$1,605.90	$1,161.36	$444.54
05/01/2032	$222,447.15	$1,605.90	$1,159.05	$446.85
06/01/2032	$221,997.98	$1,605.90	$1,156.73	$449.18
07/01/2032	$221,546.46	$1,605.90	$1,154.39	$451.51
08/01/2032	$221,092.60	$1,605.90	$1,152.04	$453.86
09/01/2032	$220,636.38	$1,605.90	$1,149.68	$456.22
10/01/2032	$220,177.79	$1,605.90	$1,147.31	$458.59
11/01/2032	$219,709.42	$1,631.64	$1,163.27	$468.37
12/01/2032	$219,238.58	$1,631.64	$1,160.80	$470.84
01/01/2033	$218,765.26	$1,631.64	$1,158.31	$473.33
02/01/2033	$218,289.43	$1,631.64	$1,155.81	$475.83
03/01/2033	$217,811.09	$1,631.64	$1,153.30	$478.34
04/01/2033	$217,330.22	$1,631.64	$1,150.77	$480.87
05/01/2033	$216,846.81	$1,631.64	$1,148.23	$483.41
06/01/2033	$216,360.84	$1,631.64	$1,145.67	$485.96
07/01/2033	$215,872.31	$1,631.64	$1,143.11	$488.53
08/01/2033	$215,381.20	$1,631.64	$1,140.53	$491.11
09/01/2033	$214,887.49	$1,631.64	$1,137.93	$493.71
10/01/2033	$214,391.18	$1,631.64	$1,135.32	$496.32
11/01/2033	$213,884.37	$1,657.37	$1,150.57	$506.81
12/01/2033	$213,374.84	$1,657.37	$1,147.85	$509.53
01/01/2034	$212,862.58	$1,657.37	$1,145.11	$512.26
02/01/2034	$212,347.57	$1,657.37	$1,142.36	$515.01
03/01/2034	$211,829.79	$1,657.37	$1,139.60	$517.77
04/01/2034	$211,309.24	$1,657.37	$1,136.82	$520.55
05/01/2034	$210,785.89	$1,657.37	$1,134.03	$523.35
06/01/2034	$210,259.74	$1,657.37	$1,131.22	$526.16
07/01/2034	$209,730.76	$1,657.37	$1,128.39	$528.98
08/01/2034	$209,198.94	$1,657.37	$1,125.56	$531.82
09/01/2034	$208,664.27	$1,657.37	$1,122.70	$534.67
10/01/2034	$208,126.72	$1,657.37	$1,119.83	$537.54
11/01/2034	$207,577.90	$1,683.11	$1,134.29	$548.82
12/01/2034	$207,026.10	$1,683.11	$1,131.30	$551.81
01/01/2035	$206,471.28	$1,683.11	$1,128.29	$554.82
02/01/2035	$205,913.44	$1,683.11	$1,125.27	$557.84
03/01/2035	$205,352.56	$1,683.11	$1,122.23	$560.88
04/01/2035	$204,788.62	$1,683.11	$1,119.17	$563.94
05/01/2035	$204,221.61	$1,683.11	$1,116.10	$567.01
06/01/2035	$203,651.51	$1,683.11	$1,113.01	$570.10
07/01/2035	$203,078.30	$1,683.11	$1,109.90	$573.21
08/01/2035	$202,501.97	$1,683.11	$1,106.78	$576.33
09/01/2035	$201,922.49	$1,683.11	$1,103.64	$579.47
10/01/2035	$201,339.86	$1,683.11	$1,100.48	$582.63
11/01/2035	$200,745.10	$1,708.84	$1,114.08	$594.76
12/01/2035	$200,147.04	$1,708.84	$1,110.79	$598.06
01/01/2036	$199,545.68	$1,708.84	$1,107.48	$601.36
02/01/2036	$198,940.98	$1,708.84	$1,104.15	$604.69
03/01/2036	$198,332.95	$1,708.84	$1,100.81	$608.04
04/01/2036	$197,721.54	$1,708.84	$1,097.44	$611.40
05/01/2036	$197,106.76	$1,708.84	$1,094.06	$614.79
06/01/2036	$196,488.57	$1,708.84	$1,090.66	$618.19
07/01/2036	$195,866.96	$1,708.84	$1,087.24	$621.61
08/01/2036	$195,241.92	$1,708.84	$1,083.80	$625.05
09/01/2036	$194,613.41	$1,708.84	$1,080.34	$628.51
10/01/2036	$193,981.43	$1,708.84	$1,076.86	$631.98
11/01/2036	$193,336.37	$1,734.58	$1,089.53	$645.05
12/01/2036	$192,687.70	$1,734.58	$1,085.91	$648.67
01/01/2037	$192,035.38	$1,734.58	$1,082.26	$652.32
02/01/2037	$191,379.40	$1,734.58	$1,078.60	$655.98
03/01/2037	$190,719.73	$1,734.58	$1,074.91	$659.67
04/01/2037	$190,056.36	$1,734.58	$1,071.21	$663.37
05/01/2037	$189,389.27	$1,734.58	$1,067.48	$667.10
06/01/2037	$188,718.42	$1,734.58	$1,063.74	$670.84
07/01/2037	$188,043.81	$1,734.58	$1,059.97	$674.61
08/01/2037	$187,365.41	$1,734.58	$1,056.18	$678.40
09/01/2037	$186,683.20	$1,734.58	$1,052.37	$682.21
10/01/2037	$185,997.16	$1,734.58	$1,048.54	$686.04
11/01/2037	$185,297.02	$1,760.32	$1,060.18	$700.13
12/01/2037	$184,592.90	$1,760.32	$1,056.19	$704.12
01/01/2038	$183,884.76	$1,760.32	$1,052.18	$708.14
02/01/2038	$183,172.59	$1,760.32	$1,048.14	$712.17
03/01/2038	$182,456.36	$1,760.32	$1,044.08	$716.23
04/01/2038	$181,736.04	$1,760.32	$1,040.00	$720.31
05/01/2038	$181,011.62	$1,760.32	$1,035.90	$724.42
06/01/2038	$180,283.07	$1,760.32	$1,031.77	$728.55
07/01/2038	$179,550.37	$1,760.32	$1,027.61	$732.70
08/01/2038	$178,813.49	$1,760.32	$1,023.44	$736.88
09/01/2038	$178,072.41	$1,760.32	$1,019.24	$741.08
10/01/2038	$177,327.11	$1,760.32	$1,015.01	$745.30
11/01/2038	$176,566.60	$1,786.05	$1,025.54	$760.51
12/01/2038	$175,801.69	$1,786.05	$1,021.14	$764.91
01/01/2039	$175,032.36	$1,786.05	$1,016.72	$769.33
02/01/2039	$174,258.58	$1,786.05	$1,012.27	$773.78
03/01/2039	$173,480.32	$1,786.05	$1,007.80	$778.26
04/01/2039	$172,697.57	$1,786.05	$1,003.29	$782.76
05/01/2039	$171,910.28	$1,786.05	$998.77	$787.28
06/01/2039	$171,118.44	$1,786.05	$994.21	$791.84
07/01/2039	$170,322.03	$1,786.05	$989.64	$796.42
08/01/2039	$169,521.01	$1,786.05	$985.03	$801.02
09/01/2039	$168,715.35	$1,786.05	$980.40	$805.66
10/01/2039	$167,905.04	$1,786.05	$975.74	$810.31
11/01/2039	$167,078.29	$1,811.79	$985.04	$826.74
12/01/2039	$166,246.70	$1,811.79	$980.19	$831.59
01/01/2040	$165,410.22	$1,811.79	$975.31	$836.47
02/01/2040	$164,568.84	$1,811.79	$970.41	$841.38
03/01/2040	$163,722.53	$1,811.79	$965.47	$846.32
04/01/2040	$162,871.25	$1,811.79	$960.51	$851.28
05/01/2040	$162,014.97	$1,811.79	$955.51	$856.28
06/01/2040	$161,153.67	$1,811.79	$950.49	$861.30
07/01/2040	$160,287.32	$1,811.79	$945.43	$866.35
08/01/2040	$159,415.88	$1,811.79	$940.35	$871.43
09/01/2040	$158,539.34	$1,811.79	$935.24	$876.55
10/01/2040	$157,657.65	$1,811.79	$930.10	$881.69
11/01/2040	$156,758.19	$1,837.52	$938.06	$899.46
12/01/2040	$155,853.37	$1,837.52	$932.71	$904.81
01/01/2041	$154,943.18	$1,837.52	$927.33	$910.20
02/01/2041	$154,027.57	$1,837.52	$921.91	$915.61
03/01/2041	$153,106.51	$1,837.52	$916.46	$921.06
04/01/2041	$152,179.97	$1,837.52	$910.98	$926.54
05/01/2041	$151,247.92	$1,837.52	$905.47	$932.05
06/01/2041	$150,310.32	$1,837.52	$899.93	$937.60
07/01/2041	$149,367.14	$1,837.52	$894.35	$943.18
08/01/2041	$148,418.36	$1,837.52	$888.73	$948.79
09/01/2041	$147,463.92	$1,837.52	$883.09	$954.43
10/01/2041	$146,503.81	$1,837.52	$877.41	$960.11
11/01/2041	$145,524.46	$1,863.26	$883.91	$979.35
12/01/2041	$144,539.20	$1,863.26	$878.00	$985.26
01/01/2042	$143,547.99	$1,863.26	$872.05	$991.21
02/01/2042	$142,550.81	$1,863.26	$866.07	$997.19
03/01/2042	$141,547.60	$1,863.26	$860.06	$1,003.20
04/01/2042	$140,538.35	$1,863.26	$854.00	$1,009.25
05/01/2042	$139,523.01	$1,863.26	$847.91	$1,015.34
06/01/2042	$138,501.54	$1,863.26	$841.79	$1,021.47
07/01/2042	$137,473.90	$1,863.26	$835.63	$1,027.63
08/01/2042	$136,440.07	$1,863.26	$829.43	$1,033.83
09/01/2042	$135,400.00	$1,863.26	$823.19	$1,040.07
10/01/2042	$134,353.66	$1,863.26	$816.91	$1,046.35
11/01/2042	$133,286.46	$1,888.99	$821.80	$1,067.20
12/01/2042	$132,212.73	$1,888.99	$815.27	$1,073.73
01/01/2043	$131,132.44	$1,888.99	$808.70	$1,080.29
02/01/2043	$130,045.54	$1,888.99	$802.09	$1,086.90
03/01/2043	$128,951.99	$1,888.99	$795.45	$1,093.55
04/01/2043	$127,851.75	$1,888.99	$788.76	$1,100.24
05/01/2043	$126,744.79	$1,888.99	$782.03	$1,106.97
06/01/2043	$125,631.05	$1,888.99	$775.26	$1,113.74
07/01/2043	$124,510.50	$1,888.99	$768.44	$1,120.55
08/01/2043	$123,383.09	$1,888.99	$761.59	$1,127.40
09/01/2043	$122,248.79	$1,888.99	$754.69	$1,134.30
10/01/2043	$121,107.55	$1,888.99	$747.76	$1,141.24
11/01/2043	$119,943.69	$1,914.73	$750.87	$1,163.86
12/01/2043	$118,772.61	$1,914.73	$743.65	$1,171.08
01/01/2044	$117,594.27	$1,914.73	$736.39	$1,178.34
02/01/2044	$116,408.63	$1,914.73	$729.08	$1,185.65
03/01/2044	$115,215.63	$1,914.73	$721.73	$1,193.00
04/01/2044	$114,015.24	$1,914.73	$714.34	$1,200.39
05/01/2044	$112,807.40	$1,914.73	$706.89	$1,207.84
06/01/2044	$111,592.08	$1,914.73	$699.41	$1,215.32
07/01/2044	$110,369.22	$1,914.73	$691.87	$1,222.86
08/01/2044	$109,138.78	$1,914.73	$684.29	$1,230.44
09/01/2044	$107,900.71	$1,914.73	$676.66	$1,238.07
10/01/2044	$106,654.96	$1,914.73	$668.98	$1,245.75
11/01/2044	$105,384.65	$1,940.47	$670.15	$1,270.32
12/01/2044	$104,106.35	$1,940.47	$662.17	$1,278.30
01/01/2045	$102,820.02	$1,940.47	$654.13	$1,286.33
02/01/2045	$101,525.61	$1,940.47	$646.05	$1,294.41
03/01/2045	$100,223.06	$1,940.47	$637.92	$1,302.55
04/01/2045	$98,912.33	$1,940.47	$629.73	$1,310.73
05/01/2045	$97,593.36	$1,940.47	$621.50	$1,318.97
06/01/2045	$96,266.11	$1,940.47	$613.21	$1,327.25
07/01/2045	$94,930.52	$1,940.47	$604.87	$1,335.59
08/01/2045	$93,586.53	$1,940.47	$596.48	$1,343.99
09/01/2045	$92,234.10	$1,940.47	$588.04	$1,352.43
10/01/2045	$90,873.17	$1,940.47	$579.54	$1,360.93
11/01/2045	$89,485.53	$1,966.20	$578.56	$1,387.64
12/01/2045	$88,089.06	$1,966.20	$569.72	$1,396.48
01/01/2046	$86,683.69	$1,966.20	$560.83	$1,405.37
02/01/2046	$85,269.37	$1,966.20	$551.89	$1,414.31
03/01/2046	$83,846.05	$1,966.20	$542.88	$1,423.32
04/01/2046	$82,413.67	$1,966.20	$533.82	$1,432.38
05/01/2046	$80,972.17	$1,966.20	$524.70	$1,441.50
06/01/2046	$79,521.50	$1,966.20	$515.52	$1,450.68
07/01/2046	$78,061.58	$1,966.20	$506.29	$1,459.91
08/01/2046	$76,592.37	$1,966.20	$496.99	$1,469.21
09/01/2046	$75,113.81	$1,966.20	$487.64	$1,478.56
10/01/2046	$73,625.83	$1,966.20	$478.22	$1,487.98
11/01/2046	$72,108.78	$1,991.94	$474.89	$1,517.05
12/01/2046	$70,581.95	$1,991.94	$465.10	$1,526.83
01/01/2047	$69,045.27	$1,991.94	$455.25	$1,536.68
02/01/2047	$67,498.67	$1,991.94	$445.34	$1,546.59
03/01/2047	$65,942.10	$1,991.94	$435.37	$1,556.57
04/01/2047	$64,375.49	$1,991.94	$425.33	$1,566.61
05/01/2047	$62,798.78	$1,991.94	$415.22	$1,576.71
06/01/2047	$61,211.89	$1,991.94	$405.05	$1,586.88
07/01/2047	$59,614.77	$1,991.94	$394.82	$1,597.12
08/01/2047	$58,007.35	$1,991.94	$384.52	$1,607.42
09/01/2047	$56,389.56	$1,991.94	$374.15	$1,617.79
10/01/2047	$54,761.34	$1,991.94	$363.71	$1,628.22
11/01/2047	$53,101.44	$2,017.67	$357.77	$1,659.90
12/01/2047	$51,430.70	$2,017.67	$346.93	$1,670.74
01/01/2048	$49,749.04	$2,017.67	$336.01	$1,681.66
02/01/2048	$48,056.39	$2,017.67	$325.03	$1,692.65
03/01/2048	$46,352.69	$2,017.67	$313.97	$1,703.70
04/01/2048	$44,637.86	$2,017.67	$302.84	$1,714.83
05/01/2048	$42,911.82	$2,017.67	$291.63	$1,726.04
06/01/2048	$41,174.50	$2,017.67	$280.36	$1,737.31
07/01/2048	$39,425.84	$2,017.67	$269.01	$1,748.67
08/01/2048	$37,665.75	$2,017.67	$257.58	$1,760.09
09/01/2048	$35,894.16	$2,017.67	$246.08	$1,771.59
10/01/2048	$34,111.00	$2,017.67	$234.51	$1,783.16
11/01/2048	$32,293.29	$2,043.41	$225.70	$1,817.71
12/01/2048	$30,463.55	$2,043.41	$213.67	$1,829.73
01/01/2049	$28,621.71	$2,043.41	$201.57	$1,841.84
02/01/2049	$26,767.69	$2,043.41	$189.38	$1,854.03
03/01/2049	$24,901.39	$2,043.41	$177.11	$1,866.29
04/01/2049	$23,022.75	$2,043.41	$164.76	$1,878.64
05/01/2049	$21,131.67	$2,043.41	$152.33	$1,891.07
06/01/2049	$19,228.09	$2,043.41	$139.82	$1,903.59
07/01/2049	$17,311.91	$2,043.41	$127.23	$1,916.18
08/01/2049	$15,383.05	$2,043.41	$114.55	$1,928.86
09/01/2049	$13,441.42	$2,043.41	$101.78	$1,941.62
10/01/2049	$11,486.95	$2,043.41	$88.94	$1,954.47
11/01/2049	$9,494.77	$2,069.14	$76.96	$1,992.18
12/01/2049	$7,489.24	$2,069.14	$63.61	$2,005.53
01/01/2050	$5,470.28	$2,069.14	$50.18	$2,018.97
02/01/2050	$3,437.78	$2,069.14	$36.65	$2,032.49
03/01/2050	$1,391.67	$2,069.14	$23.03	$2,046.11
04/01/2050	$-668.14	$2,069.14	$9.32	$2,059.82
05/01/2050	$-2,741.76	$2,069.14	$-4.48	$2,073.62
06/01/2050	$-4,829.28	$2,069.14	$-18.37	$2,087.51
07/01/2050	$-6,930.78	$2,069.14	$-32.36	$2,101.50
08/01/2050	$-9,046.36	$2,069.14	$-46.44	$2,115.58
09/01/2050	$-11,176.11	$2,069.14	$-60.61	$2,129.75
10/01/2050	$-13,320.13	$2,069.14	$-74.88	$2,144.02
11/01/2050	$-15,505.37	$2,094.88	$-90.35	$2,185.23
12/01/2050	$-17,705.42	$2,094.88	$-105.18	$2,200.06
01/01/2051	$-19,920.41	$2,094.88	$-120.10	$2,214.98
02/01/2051	$-22,150.41	$2,094.88	$-135.13	$2,230.01
03/01/2051	$-24,395.54	$2,094.88	$-150.25	$2,245.13
04/01/2051	$-26,655.91	$2,094.88	$-165.48	$2,260.36
05/01/2051	$-28,931.60	$2,094.88	$-180.82	$2,275.69
06/01/2051	$-31,222.73	$2,094.88	$-196.25	$2,291.13
07/01/2051	$-33,529.41	$2,094.88	$-211.79	$2,306.67
08/01/2051	$-35,851.73	$2,094.88	$-227.44	$2,322.32
09/01/2051	$-38,189.80	$2,094.88	$-243.19	$2,338.07
10/01/2051	$-40,543.73	$2,094.88	$-259.05	$2,353.93
11/01/2051	$-42,942.75	$2,120.61	$-278.40	$2,399.01
12/01/2051	$-45,358.23	$2,120.61	$-294.87	$2,415.49
01/01/2052	$-47,790.31	$2,120.61	$-311.46	$2,432.07
02/01/2052	$-50,239.08	$2,120.61	$-328.16	$2,448.77
03/01/2052	$-52,704.67	$2,120.61	$-344.98	$2,465.59
04/01/2052	$-55,187.19	$2,120.61	$-361.91	$2,482.52
05/01/2052	$-57,686.76	$2,120.61	$-378.95	$2,499.57
06/01/2052	$-60,203.49	$2,120.61	$-396.12	$2,516.73
07/01/2052	$-62,737.50	$2,120.61	$-413.40	$2,534.01
08/01/2052	$-65,288.91	$2,120.61	$-430.80	$2,551.41
09/01/2052	$-67,857.85	$2,120.61	$-448.32	$2,568.93
10/01/2052	$-70,444.42	$2,120.61	$-465.96	$2,586.57
11/01/2052	$-73,080.36	$2,146.35	$-489.59	$2,635.94
12/01/2052	$-75,734.62	$2,146.35	$-507.91	$2,654.26
01/01/2053	$-78,407.32	$2,146.35	$-526.36	$2,672.71
02/01/2053	$-81,098.60	$2,146.35	$-544.93	$2,691.28
03/01/2053	$-83,808.59	$2,146.35	$-563.64	$2,709.99
04/01/2053	$-86,537.41	$2,146.35	$-582.47	$2,728.82
05/01/2053	$-89,285.19	$2,146.35	$-601.43	$2,747.79
06/01/2053	$-92,052.07	$2,146.35	$-620.53	$2,766.88
07/01/2053	$-94,838.19	$2,146.35	$-639.76	$2,786.11
08/01/2053	$-97,643.66	$2,146.35	$-659.13	$2,805.48
09/01/2053	$-100,468.64	$2,146.35	$-678.62	$2,824.97
10/01/2053	$-103,313.24	$2,146.35	$-698.26	$2,844.61
11/01/2053	$-106,211.97	$2,172.09	$-726.64	$2,898.72
12/01/2053	$-109,131.08	$2,172.09	$-747.02	$2,919.11
01/01/2054	$-112,070.72	$2,172.09	$-767.56	$2,939.64
02/01/2054	$-115,031.03	$2,172.09	$-788.23	$2,960.32
03/01/2054	$-118,012.17	$2,172.09	$-809.05	$2,981.14
04/01/2054	$-121,014.27	$2,172.09	$-830.02	$3,002.10
05/01/2054	$-124,037.49	$2,172.09	$-851.13	$3,023.22
06/01/2054	$-127,081.98	$2,172.09	$-872.40	$3,044.48
07/01/2054	$-130,147.87	$2,172.09	$-893.81	$3,065.90
08/01/2054	$-133,235.33	$2,172.09	$-915.37	$3,087.46
09/01/2054	$-136,344.51	$2,172.09	$-937.09	$3,109.17
10/01/2054	$-139,475.55	$2,172.09	$-958.96	$3,131.04
11/01/2054	$-142,665.97	$2,197.82	$-992.60	$3,190.42
12/01/2054	$-145,879.10	$2,197.82	$-1,015.31	$3,213.13
01/01/2055	$-149,115.09	$2,197.82	$-1,038.17	$3,235.99
02/01/2055	$-152,374.12	$2,197.82	$-1,061.20	$3,259.02
03/01/2055	$-155,656.33	$2,197.82	$-1,084.40	$3,282.22
04/01/2055	$-158,961.91	$2,197.82	$-1,107.75	$3,305.58
05/01/2055	$-162,291.01	$2,197.82	$-1,131.28	$3,329.10
06/01/2055	$-165,643.80	$2,197.82	$-1,154.97	$3,352.79
07/01/2055	$-169,020.46	$2,197.82	$-1,178.83	$3,376.65
08/01/2055	$-172,421.14	$2,197.82	$-1,202.86	$3,400.68
09/01/2055	$-175,846.02	$2,197.82	$-1,227.06	$3,424.89
10/01/2055	$-179,295.28	$2,197.82	$-1,251.44	$3,449.26
TOTAL:	-	$656,875.80	$227,304.03	$429,571.77

Change options for different scenario in the form below:

Featured Kentucky Home Equity Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More
Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.
Third Federal Savings and Loan Equal Housing Lender	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More
Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com.
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
Spring EQ	The leader for homeowners tapping cash from their homes since 2016.		Learn More
Access up to 90% of your home's equity, up to a maximum of $500,000. FIXLINE: The flexibility of a HELOC with the stability of a HELOAN. A fixed rate for life- no need to worry about fluctuating rates. We make it easy - and fast - to access your cash (as little as 11 days). More Info
About Spring EQ’s Rates and Terms Spring EQ LLC NMLS ID #1464945 (nmlsconsumeracces.org). No prepayment penalty. No need to refinance your first mortgage. Closed-end fixed rate loans and fixed and adjustable rate HELOC options are available. Spring EQ is an Equal Housing Lender. These results are for informational purposes only. This offer is an invitation to apply for an offer for credit or a loan and should not be construed as an indication of eligibility or a binding underwriting decision. Rates are subject to change based on market conditions and the entries of your specific application. All loans are subject to $995 origination fee and annual fee of $99 (except in certain states, where fees may be lower or not applicable), plus third-party fees. Monthly payment shown reflects monthly principal and interest amortized over the term of the loan based on the initial draw amount. Spring EQ applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Any pre-qualification or result is in no way a pre-approval, indication of eligibility, or binding underwriting decision. All borrowers are required to meet Spring EQ's current underwriting guidelines including verifications of applicant’s credit profile and property value, $25,000 initial draw requirement OR 75% of the line amount (whichever is greater), a FICO score of 640 or greater, and a debt-to-income ratio of less than 50%. Actual rate and APR for qualified borrowers will be determined by a combination of factors, including their creditworthiness as determined by a single credit bureau pull, loan amount requested, property value, and more. In addition to these, other factors specific to applicants' profile and Spring EQ's Underwriting Guidelines may impact rate and eligibility. Offers subject to origination fees based on loan type and property state.
Upstart	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.
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!
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.
PenFed Credit Union Equal Housing Lender	Home Equity Line of Credit - Equal Housing Lender		Learn More
Home Equity Line of Credit - Equal Housing Lender 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 More Info
Interest-only payments during the 10-year draw period
Figure Home Equity Line Equal Housing Lender	HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.		Learn More
Fastest way to turn home equity into cash Flexible terms, redraw up to 100%, borrow $15k-$750k Approval in as little as 5 minutes. Funding in as few as 5 days. Use to consolidate debt or finance your next home project More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) 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. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation 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, and where loan amounts are under $400,000 which would not require an appraisal. 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, or that require a waiting period prior to closing, or where loan amounts exceed $400,000.
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 CITIZENS EQUITY FIRST - Amortization Schedule Calculator

Home Equity product from CITIZENS EQUITY FIRST

Featured Kentucky Home Equity Rates 2025

Home Equity and Mortgage Rate Newsletter

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