Home Equity Line of Credit product from M&T Bank - Amortization Schedule Calculator

Use the calculator below to calculate your monthly home equity payment for the line of credit from M&T 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 line of credit.

Home Equity product from M&T Bank

Product Total Termlength: 30 Years
Interest Rate: 9.34%
Rate change (per year): 0.1%

Monthly Payment: Year 1: $2,681.87, Year 2: $2,710.28, Year 3: $2,738.69, Year 4: $2,767.10, Year 5: $2,795.51, Year 6: $2,823.92, Year 7: $2,852.32, Year 8: $2,880.73, Year 9: $2,909.14, Year 10: $2,937.55, Year 11: $2,965.96, Year 12: $2,994.37, Year 13: $3,022.78, Year 14: $3,051.19, Year 15: $3,079.60, Year 16: $3,108.01, Year 17: $3,136.42, Year 18: $3,164.83, Year 19: $3,193.24, Year 20: $3,221.65, Year 21: $3,250.06, Year 22: $3,278.47, Year 23: $3,306.88, Year 24: $3,335.29, Year 25: $3,363.70, Year 26: $3,392.11, Year 27: $3,420.52, Year 28: $3,448.93, Year 29: $3,477.34, Year 30: $3,505.75,

Date	Principal Balance^?	Monthly Payment^?	Interest^?	Monthly Amortization^?
07/31/2025	$320,000.00	$2,681.87	$2,517.33	$164.53
08/31/2025	$319,835.47	$2,681.87	$2,517.33	$164.53
10/01/2025	$319,669.64	$2,681.87	$2,516.04	$165.83
11/01/2025	$319,502.51	$2,681.87	$2,514.73	$167.13
12/01/2025	$319,334.06	$2,681.87	$2,513.42	$168.45
01/01/2026	$319,164.28	$2,681.87	$2,512.09	$169.77
02/01/2026	$318,993.18	$2,681.87	$2,510.76	$171.11
03/01/2026	$318,820.72	$2,681.87	$2,509.41	$172.45
04/01/2026	$318,646.91	$2,681.87	$2,508.06	$173.81
05/01/2026	$318,471.73	$2,681.87	$2,506.69	$175.18
06/01/2026	$318,295.18	$2,681.87	$2,505.31	$176.56
07/01/2026	$318,117.23	$2,681.87	$2,503.92	$177.95
08/01/2026	$317,935.99	$2,710.28	$2,529.03	$181.24
09/01/2026	$317,753.30	$2,710.28	$2,527.59	$182.69
10/01/2026	$317,569.16	$2,710.28	$2,526.14	$184.14
11/01/2026	$317,383.56	$2,710.28	$2,524.67	$185.60
12/01/2026	$317,196.48	$2,710.28	$2,523.20	$187.08
01/01/2027	$317,007.92	$2,710.28	$2,521.71	$188.56
02/01/2027	$316,817.85	$2,710.28	$2,520.21	$190.06
03/01/2027	$316,626.28	$2,710.28	$2,518.70	$191.57
04/01/2027	$316,433.18	$2,710.28	$2,517.18	$193.10
05/01/2027	$316,238.55	$2,710.28	$2,515.64	$194.63
06/01/2027	$316,042.37	$2,710.28	$2,514.10	$196.18
07/01/2027	$315,844.63	$2,710.28	$2,512.54	$197.74
08/01/2027	$315,643.23	$2,738.69	$2,537.29	$201.40
09/01/2027	$315,440.21	$2,738.69	$2,535.67	$203.02
10/01/2027	$315,235.56	$2,738.69	$2,534.04	$204.65
11/01/2027	$315,029.26	$2,738.69	$2,532.39	$206.29
12/01/2027	$314,821.31	$2,738.69	$2,530.74	$207.95
01/01/2028	$314,611.69	$2,738.69	$2,529.06	$209.62
02/01/2028	$314,400.38	$2,738.69	$2,527.38	$211.31
03/01/2028	$314,187.38	$2,738.69	$2,525.68	$213.00
04/01/2028	$313,972.67	$2,738.69	$2,523.97	$214.71
05/01/2028	$313,756.23	$2,738.69	$2,522.25	$216.44
06/01/2028	$313,538.05	$2,738.69	$2,520.51	$218.18
07/01/2028	$313,318.12	$2,738.69	$2,518.76	$219.93
08/01/2028	$313,094.12	$2,767.10	$2,543.10	$224.00
09/01/2028	$312,868.31	$2,767.10	$2,541.28	$225.82
10/01/2028	$312,640.66	$2,767.10	$2,539.45	$227.65
11/01/2028	$312,411.16	$2,767.10	$2,537.60	$229.50
12/01/2028	$312,179.80	$2,767.10	$2,535.74	$231.36
01/01/2029	$311,946.57	$2,767.10	$2,533.86	$233.24
02/01/2029	$311,711.44	$2,767.10	$2,531.97	$235.13
03/01/2029	$311,474.40	$2,767.10	$2,530.06	$237.04
04/01/2029	$311,235.43	$2,767.10	$2,528.13	$238.96
05/01/2029	$310,994.53	$2,767.10	$2,526.19	$240.90
06/01/2029	$310,751.68	$2,767.10	$2,524.24	$242.86
07/01/2029	$310,506.85	$2,767.10	$2,522.27	$244.83
08/01/2029	$310,257.50	$2,795.51	$2,546.16	$249.35
09/01/2029	$310,006.10	$2,795.51	$2,544.11	$251.39
10/01/2029	$309,752.65	$2,795.51	$2,542.05	$253.46
11/01/2029	$309,497.11	$2,795.51	$2,539.97	$255.53
12/01/2029	$309,239.48	$2,795.51	$2,537.88	$257.63
01/01/2030	$308,979.74	$2,795.51	$2,535.76	$259.74
02/01/2030	$308,717.87	$2,795.51	$2,533.63	$261.87
03/01/2030	$308,453.85	$2,795.51	$2,531.49	$264.02
04/01/2030	$308,187.67	$2,795.51	$2,529.32	$266.18
05/01/2030	$307,919.30	$2,795.51	$2,527.14	$268.37
06/01/2030	$307,648.73	$2,795.51	$2,524.94	$270.57
07/01/2030	$307,375.95	$2,795.51	$2,522.72	$272.79
08/01/2030	$307,098.13	$2,823.92	$2,546.10	$277.82
09/01/2030	$306,818.01	$2,823.92	$2,543.80	$280.12
10/01/2030	$306,535.57	$2,823.92	$2,541.48	$282.44
11/01/2030	$306,250.79	$2,823.92	$2,539.14	$284.78
12/01/2030	$305,963.65	$2,823.92	$2,536.78	$287.14
01/01/2031	$305,674.14	$2,823.92	$2,534.40	$289.52
02/01/2031	$305,382.22	$2,823.92	$2,532.00	$291.91
03/01/2031	$305,087.89	$2,823.92	$2,529.58	$294.33
04/01/2031	$304,791.12	$2,823.92	$2,527.14	$296.77
05/01/2031	$304,491.89	$2,823.92	$2,524.69	$299.23
06/01/2031	$304,190.18	$2,823.92	$2,522.21	$301.71
07/01/2031	$303,885.98	$2,823.92	$2,519.71	$304.21
08/01/2031	$303,576.16	$2,852.32	$2,542.51	$309.81
09/01/2031	$303,263.76	$2,852.32	$2,539.92	$312.40
10/01/2031	$302,948.74	$2,852.32	$2,537.31	$315.02
11/01/2031	$302,631.09	$2,852.32	$2,534.67	$317.65
12/01/2031	$302,310.78	$2,852.32	$2,532.01	$320.31
01/01/2032	$301,987.79	$2,852.32	$2,529.33	$322.99
02/01/2032	$301,662.09	$2,852.32	$2,526.63	$325.69
03/01/2032	$301,333.67	$2,852.32	$2,523.91	$328.42
04/01/2032	$301,002.51	$2,852.32	$2,521.16	$331.17
05/01/2032	$300,668.57	$2,852.32	$2,518.39	$333.94
06/01/2032	$300,331.84	$2,852.32	$2,515.59	$336.73
07/01/2032	$299,992.29	$2,852.32	$2,512.78	$339.55
08/01/2032	$299,646.49	$2,880.73	$2,534.93	$345.80
09/01/2032	$299,297.77	$2,880.73	$2,532.01	$348.72
10/01/2032	$298,946.10	$2,880.73	$2,529.07	$351.67
11/01/2032	$298,591.46	$2,880.73	$2,526.09	$354.64
12/01/2032	$298,233.82	$2,880.73	$2,523.10	$357.64
01/01/2033	$297,873.16	$2,880.73	$2,520.08	$360.66
02/01/2033	$297,509.46	$2,880.73	$2,517.03	$363.71
03/01/2033	$297,142.68	$2,880.73	$2,513.95	$366.78
04/01/2033	$296,772.80	$2,880.73	$2,510.86	$369.88
05/01/2033	$296,399.80	$2,880.73	$2,507.73	$373.00
06/01/2033	$296,023.64	$2,880.73	$2,504.58	$376.16
07/01/2033	$295,644.30	$2,880.73	$2,501.40	$379.33
08/01/2033	$295,257.99	$2,909.14	$2,522.83	$386.31
09/01/2033	$294,868.38	$2,909.14	$2,519.53	$389.61
10/01/2033	$294,475.45	$2,909.14	$2,516.21	$392.93
11/01/2033	$294,079.16	$2,909.14	$2,512.86	$396.29
12/01/2033	$293,679.49	$2,909.14	$2,509.48	$399.67
01/01/2034	$293,276.41	$2,909.14	$2,506.07	$403.08
02/01/2034	$292,869.89	$2,909.14	$2,502.63	$406.52
03/01/2034	$292,459.91	$2,909.14	$2,499.16	$409.99
04/01/2034	$292,046.42	$2,909.14	$2,495.66	$413.49
05/01/2034	$291,629.41	$2,909.14	$2,492.13	$417.01
06/01/2034	$291,208.83	$2,909.14	$2,488.57	$420.57
07/01/2034	$290,784.67	$2,909.14	$2,484.98	$424.16
08/01/2034	$290,352.71	$2,937.55	$2,505.59	$431.96
09/01/2034	$289,917.03	$2,937.55	$2,501.87	$435.68
10/01/2034	$289,477.60	$2,937.55	$2,498.12	$439.44
11/01/2034	$289,034.37	$2,937.55	$2,494.33	$443.22
12/01/2034	$288,587.33	$2,937.55	$2,490.51	$447.04
01/01/2035	$288,136.44	$2,937.55	$2,486.66	$450.89
02/01/2035	$287,681.66	$2,937.55	$2,482.78	$454.78
03/01/2035	$287,222.96	$2,937.55	$2,478.86	$458.70
04/01/2035	$286,760.32	$2,937.55	$2,474.90	$462.65
05/01/2035	$286,293.68	$2,937.55	$2,470.92	$466.64
06/01/2035	$285,823.02	$2,937.55	$2,466.90	$470.66
07/01/2035	$285,348.31	$2,937.55	$2,462.84	$474.71
08/01/2035	$284,864.88	$2,965.96	$2,482.53	$483.43
09/01/2035	$284,377.24	$2,965.96	$2,478.32	$487.64
10/01/2035	$283,885.36	$2,965.96	$2,474.08	$491.88
11/01/2035	$283,389.20	$2,965.96	$2,469.80	$496.16
12/01/2035	$282,888.72	$2,965.96	$2,465.49	$500.48
01/01/2036	$282,383.89	$2,965.96	$2,461.13	$504.83
02/01/2036	$281,874.66	$2,965.96	$2,456.74	$509.22
03/01/2036	$281,361.01	$2,965.96	$2,452.31	$513.65
04/01/2036	$280,842.89	$2,965.96	$2,447.84	$518.12
05/01/2036	$280,320.26	$2,965.96	$2,443.33	$522.63
06/01/2036	$279,793.08	$2,965.96	$2,438.79	$527.18
07/01/2036	$279,261.32	$2,965.96	$2,434.20	$531.76
08/01/2036	$278,719.79	$2,994.37	$2,452.85	$541.53
09/01/2036	$278,173.51	$2,994.37	$2,448.09	$546.28
10/01/2036	$277,622.42	$2,994.37	$2,443.29	$551.08
11/01/2036	$277,066.50	$2,994.37	$2,438.45	$555.92
12/01/2036	$276,505.69	$2,994.37	$2,433.57	$560.81
01/01/2037	$275,939.96	$2,994.37	$2,428.64	$565.73
02/01/2037	$275,369.26	$2,994.37	$2,423.67	$570.70
03/01/2037	$274,793.55	$2,994.37	$2,418.66	$575.71
04/01/2037	$274,212.78	$2,994.37	$2,413.60	$580.77
05/01/2037	$273,626.91	$2,994.37	$2,408.50	$585.87
06/01/2037	$273,035.89	$2,994.37	$2,403.36	$591.02
07/01/2037	$272,439.69	$2,994.37	$2,398.17	$596.21
08/01/2037	$271,832.53	$3,022.78	$2,415.63	$607.15
09/01/2037	$271,220.00	$3,022.78	$2,410.25	$612.53
10/01/2037	$270,602.04	$3,022.78	$2,404.82	$617.97
11/01/2037	$269,978.59	$3,022.78	$2,399.34	$623.44
12/01/2037	$269,349.62	$3,022.78	$2,393.81	$628.97
01/01/2038	$268,715.07	$3,022.78	$2,388.23	$634.55
02/01/2038	$268,074.89	$3,022.78	$2,382.61	$640.18
03/01/2038	$267,429.04	$3,022.78	$2,376.93	$645.85
04/01/2038	$266,777.46	$3,022.78	$2,371.20	$651.58
05/01/2038	$266,120.11	$3,022.78	$2,365.43	$657.36
06/01/2038	$265,456.92	$3,022.78	$2,359.60	$663.18
07/01/2038	$264,787.86	$3,022.78	$2,353.72	$669.06
08/01/2038	$264,106.52	$3,051.19	$2,369.85	$681.34
09/01/2038	$263,419.08	$3,051.19	$2,363.75	$687.44
10/01/2038	$262,725.49	$3,051.19	$2,357.60	$693.59
11/01/2038	$262,025.69	$3,051.19	$2,351.39	$699.80
12/01/2038	$261,319.63	$3,051.19	$2,345.13	$706.06
01/01/2039	$260,607.24	$3,051.19	$2,338.81	$712.38
02/01/2039	$259,888.49	$3,051.19	$2,332.43	$718.76
03/01/2039	$259,163.30	$3,051.19	$2,326.00	$725.19
04/01/2039	$258,431.62	$3,051.19	$2,319.51	$731.68
05/01/2039	$257,693.39	$3,051.19	$2,312.96	$738.23
06/01/2039	$256,948.55	$3,051.19	$2,306.36	$744.84
07/01/2039	$256,197.05	$3,051.19	$2,299.69	$751.50
08/01/2039	$255,431.76	$3,079.60	$2,314.31	$765.29
09/01/2039	$254,659.56	$3,079.60	$2,307.40	$772.20
10/01/2039	$253,880.38	$3,079.60	$2,300.42	$779.18
11/01/2039	$253,094.17	$3,079.60	$2,293.39	$786.22
12/01/2039	$252,300.85	$3,079.60	$2,286.28	$793.32
01/01/2040	$251,500.36	$3,079.60	$2,279.12	$800.48
02/01/2040	$250,692.65	$3,079.60	$2,271.89	$807.72
03/01/2040	$249,877.64	$3,079.60	$2,264.59	$815.01
04/01/2040	$249,055.26	$3,079.60	$2,257.23	$822.37
05/01/2040	$248,225.46	$3,079.60	$2,249.80	$829.80
06/01/2040	$247,388.16	$3,079.60	$2,242.30	$837.30
07/01/2040	$246,543.30	$3,079.60	$2,234.74	$844.86
08/01/2040	$245,682.94	$3,108.01	$2,247.65	$860.36
09/01/2040	$244,814.74	$3,108.01	$2,239.81	$868.20
10/01/2040	$243,938.62	$3,108.01	$2,231.89	$876.12
11/01/2040	$243,054.52	$3,108.01	$2,223.91	$884.10
12/01/2040	$242,162.35	$3,108.01	$2,215.85	$892.16
01/01/2041	$241,262.06	$3,108.01	$2,207.71	$900.30
02/01/2041	$240,353.55	$3,108.01	$2,199.51	$908.51
03/01/2041	$239,436.76	$3,108.01	$2,191.22	$916.79
04/01/2041	$238,511.62	$3,108.01	$2,182.87	$925.15
05/01/2041	$237,578.03	$3,108.01	$2,174.43	$933.58
06/01/2041	$236,635.94	$3,108.01	$2,165.92	$942.09
07/01/2041	$235,685.26	$3,108.01	$2,157.33	$950.68
08/01/2041	$234,717.15	$3,136.42	$2,168.30	$968.12
09/01/2041	$233,740.12	$3,136.42	$2,159.40	$977.02
10/01/2041	$232,754.11	$3,136.42	$2,150.41	$986.01
11/01/2041	$231,759.03	$3,136.42	$2,141.34	$995.08
12/01/2041	$230,754.79	$3,136.42	$2,132.18	$1,004.24
01/01/2042	$229,741.31	$3,136.42	$2,122.94	$1,013.48
02/01/2042	$228,718.51	$3,136.42	$2,113.62	$1,022.80
03/01/2042	$227,686.30	$3,136.42	$2,104.21	$1,032.21
04/01/2042	$226,644.59	$3,136.42	$2,094.71	$1,041.71
05/01/2042	$225,593.30	$3,136.42	$2,085.13	$1,051.29
06/01/2042	$224,532.34	$3,136.42	$2,075.46	$1,060.96
07/01/2042	$223,461.62	$3,136.42	$2,065.70	$1,070.72
08/01/2042	$222,371.26	$3,164.83	$2,074.47	$1,090.36
09/01/2042	$221,270.77	$3,164.83	$2,064.35	$1,100.48
10/01/2042	$220,160.07	$3,164.83	$2,054.13	$1,110.70
11/01/2042	$219,039.06	$3,164.83	$2,043.82	$1,121.01
12/01/2042	$217,907.64	$3,164.83	$2,033.41	$1,131.42
01/01/2043	$216,765.72	$3,164.83	$2,022.91	$1,141.92
02/01/2043	$215,613.20	$3,164.83	$2,012.31	$1,152.52
03/01/2043	$214,449.98	$3,164.83	$2,001.61	$1,163.22
04/01/2043	$213,275.96	$3,164.83	$1,990.81	$1,174.02
05/01/2043	$212,091.04	$3,164.83	$1,979.91	$1,184.92
06/01/2043	$210,895.12	$3,164.83	$1,968.91	$1,195.92
07/01/2043	$209,688.10	$3,164.83	$1,957.81	$1,207.02
08/01/2043	$208,458.94	$3,193.24	$1,964.08	$1,229.16
09/01/2043	$207,218.26	$3,193.24	$1,952.57	$1,240.67
10/01/2043	$205,965.97	$3,193.24	$1,940.94	$1,252.30
11/01/2043	$204,701.94	$3,193.24	$1,929.21	$1,264.03
12/01/2043	$203,426.07	$3,193.24	$1,917.37	$1,275.87
01/01/2044	$202,138.26	$3,193.24	$1,905.42	$1,287.82
02/01/2044	$200,838.38	$3,193.24	$1,893.36	$1,299.88
03/01/2044	$199,526.33	$3,193.24	$1,881.19	$1,312.05
04/01/2044	$198,201.98	$3,193.24	$1,868.90	$1,324.34
05/01/2044	$196,865.23	$3,193.24	$1,856.49	$1,336.75
06/01/2044	$195,515.96	$3,193.24	$1,843.97	$1,349.27
07/01/2044	$194,154.06	$3,193.24	$1,831.33	$1,361.91
08/01/2044	$192,767.16	$3,221.65	$1,834.76	$1,386.89
09/01/2044	$191,367.16	$3,221.65	$1,821.65	$1,400.00
10/01/2044	$189,953.93	$3,221.65	$1,808.42	$1,413.23
11/01/2044	$188,527.35	$3,221.65	$1,795.06	$1,426.59
12/01/2044	$187,087.28	$3,221.65	$1,781.58	$1,440.07
01/01/2045	$185,633.61	$3,221.65	$1,767.97	$1,453.68
02/01/2045	$184,166.19	$3,221.65	$1,754.24	$1,467.41
03/01/2045	$182,684.91	$3,221.65	$1,740.37	$1,481.28
04/01/2045	$181,189.64	$3,221.65	$1,726.37	$1,495.28
05/01/2045	$179,680.23	$3,221.65	$1,712.24	$1,509.41
06/01/2045	$178,156.56	$3,221.65	$1,697.98	$1,523.67
07/01/2045	$176,618.49	$3,221.65	$1,683.58	$1,538.07
08/01/2045	$175,052.19	$3,250.06	$1,683.76	$1,566.30
09/01/2045	$173,470.96	$3,250.06	$1,668.83	$1,581.23
10/01/2045	$171,874.66	$3,250.06	$1,653.76	$1,596.30
11/01/2045	$170,263.14	$3,250.06	$1,638.54	$1,611.52
12/01/2045	$168,636.25	$3,250.06	$1,623.18	$1,626.88
01/01/2046	$166,993.86	$3,250.06	$1,607.67	$1,642.39
02/01/2046	$165,335.81	$3,250.06	$1,592.01	$1,658.05
03/01/2046	$163,661.95	$3,250.06	$1,576.20	$1,673.86
04/01/2046	$161,972.13	$3,250.06	$1,560.24	$1,689.82
05/01/2046	$160,266.21	$3,250.06	$1,544.13	$1,705.93
06/01/2046	$158,544.02	$3,250.06	$1,527.87	$1,722.19
07/01/2046	$156,805.41	$3,250.06	$1,511.45	$1,738.61
08/01/2046	$155,034.89	$3,278.47	$1,507.95	$1,770.52
09/01/2046	$153,247.34	$3,278.47	$1,490.92	$1,787.55
10/01/2046	$151,442.60	$3,278.47	$1,473.73	$1,804.74
11/01/2046	$149,620.50	$3,278.47	$1,456.37	$1,822.10
12/01/2046	$147,780.89	$3,278.47	$1,438.85	$1,839.62
01/01/2047	$145,923.58	$3,278.47	$1,421.16	$1,857.31
02/01/2047	$144,048.41	$3,278.47	$1,403.30	$1,875.17
03/01/2047	$142,155.20	$3,278.47	$1,385.27	$1,893.20
04/01/2047	$140,243.79	$3,278.47	$1,367.06	$1,911.41
05/01/2047	$138,314.00	$3,278.47	$1,348.68	$1,929.79
06/01/2047	$136,365.65	$3,278.47	$1,330.12	$1,948.35
07/01/2047	$134,398.57	$3,278.47	$1,311.38	$1,967.09
08/01/2047	$132,395.35	$3,306.88	$1,303.67	$2,003.21
09/01/2047	$130,372.71	$3,306.88	$1,284.23	$2,022.64
10/01/2047	$128,330.45	$3,306.88	$1,264.62	$2,042.26
11/01/2047	$126,268.37	$3,306.88	$1,244.81	$2,062.07
12/01/2047	$124,186.30	$3,306.88	$1,224.80	$2,082.08
01/01/2048	$122,084.03	$3,306.88	$1,204.61	$2,102.27
02/01/2048	$119,961.36	$3,306.88	$1,184.22	$2,122.66
03/01/2048	$117,818.11	$3,306.88	$1,163.63	$2,143.25
04/01/2048	$115,654.07	$3,306.88	$1,142.84	$2,164.04
05/01/2048	$113,469.03	$3,306.88	$1,121.84	$2,185.03
06/01/2048	$111,262.80	$3,306.88	$1,100.65	$2,206.23
07/01/2048	$109,035.17	$3,306.88	$1,079.25	$2,227.63
08/01/2048	$106,766.61	$3,335.29	$1,066.73	$2,268.56
09/01/2048	$104,475.86	$3,335.29	$1,044.53	$2,290.75
10/01/2048	$102,162.69	$3,335.29	$1,022.12	$2,313.17
11/01/2048	$99,826.89	$3,335.29	$999.49	$2,335.80
12/01/2048	$97,468.24	$3,335.29	$976.64	$2,358.65
01/01/2049	$95,086.52	$3,335.29	$953.56	$2,381.72
02/01/2049	$92,681.50	$3,335.29	$930.26	$2,405.03
03/01/2049	$90,252.94	$3,335.29	$906.73	$2,428.55
04/01/2049	$87,800.63	$3,335.29	$882.97	$2,452.31
05/01/2049	$85,324.32	$3,335.29	$858.98	$2,476.31
06/01/2049	$82,823.79	$3,335.29	$834.76	$2,500.53
07/01/2049	$80,298.79	$3,335.29	$810.29	$2,525.00
08/01/2049	$77,727.38	$3,363.70	$792.28	$2,571.42
09/01/2049	$75,130.59	$3,363.70	$766.91	$2,596.79
10/01/2049	$72,508.18	$3,363.70	$741.29	$2,622.41
11/01/2049	$69,859.90	$3,363.70	$715.41	$2,648.28
12/01/2049	$67,185.48	$3,363.70	$689.28	$2,674.41
01/01/2050	$64,484.68	$3,363.70	$662.90	$2,700.80
02/01/2050	$61,757.23	$3,363.70	$636.25	$2,727.45
03/01/2050	$59,002.87	$3,363.70	$609.34	$2,754.36
04/01/2050	$56,221.34	$3,363.70	$582.16	$2,781.54
05/01/2050	$53,412.36	$3,363.70	$554.72	$2,808.98
06/01/2050	$50,575.66	$3,363.70	$527.00	$2,836.70
07/01/2050	$47,710.98	$3,363.70	$499.01	$2,864.68
08/01/2050	$44,793.59	$3,392.11	$474.72	$2,917.38
09/01/2050	$41,847.18	$3,392.11	$445.70	$2,946.41
10/01/2050	$38,871.45	$3,392.11	$416.38	$2,975.73
11/01/2050	$35,866.12	$3,392.11	$386.77	$3,005.34
12/01/2050	$32,830.88	$3,392.11	$356.87	$3,035.24
01/01/2051	$29,765.44	$3,392.11	$326.67	$3,065.44
02/01/2051	$26,669.50	$3,392.11	$296.17	$3,095.94
03/01/2051	$23,542.75	$3,392.11	$265.36	$3,126.75
04/01/2051	$20,384.89	$3,392.11	$234.25	$3,157.86
05/01/2051	$17,195.61	$3,392.11	$202.83	$3,189.28
06/01/2051	$13,974.60	$3,392.11	$171.10	$3,221.01
07/01/2051	$10,721.54	$3,392.11	$139.05	$3,253.06
08/01/2051	$7,408.60	$3,420.52	$107.57	$3,312.94
09/01/2051	$4,062.41	$3,420.52	$74.33	$3,346.18
10/01/2051	$682.66	$3,420.52	$40.76	$3,379.76
11/01/2051	$-2,731.01	$3,420.52	$6.85	$3,413.67
12/01/2051	$-6,178.93	$3,420.52	$-27.40	$3,447.92
01/01/2052	$-9,661.44	$3,420.52	$-62.00	$3,482.51
02/01/2052	$-13,178.90	$3,420.52	$-96.94	$3,517.45
03/01/2052	$-16,731.64	$3,420.52	$-132.23	$3,552.75
04/01/2052	$-20,320.03	$3,420.52	$-167.87	$3,588.39
05/01/2052	$-23,944.43	$3,420.52	$-203.88	$3,624.39
06/01/2052	$-27,605.19	$3,420.52	$-240.24	$3,660.76
07/01/2052	$-31,302.68	$3,420.52	$-276.97	$3,697.49
08/01/2052	$-35,068.28	$3,448.93	$-316.68	$3,765.61
09/01/2052	$-38,871.98	$3,448.93	$-354.77	$3,803.70
10/01/2052	$-42,714.16	$3,448.93	$-393.25	$3,842.18
11/01/2052	$-46,595.22	$3,448.93	$-432.12	$3,881.05
12/01/2052	$-50,515.53	$3,448.93	$-471.39	$3,920.32
01/01/2053	$-54,475.51	$3,448.93	$-511.05	$3,959.98
02/01/2053	$-58,475.54	$3,448.93	$-551.11	$4,000.04
03/01/2053	$-62,516.05	$3,448.93	$-591.58	$4,040.50
04/01/2053	$-66,597.43	$3,448.93	$-632.45	$4,081.38
05/01/2053	$-70,720.10	$3,448.93	$-673.74	$4,122.67
06/01/2053	$-74,884.48	$3,448.93	$-715.45	$4,164.38
07/01/2053	$-79,090.99	$3,448.93	$-757.58	$4,206.51
08/01/2053	$-83,375.05	$3,477.34	$-806.73	$4,284.06
09/01/2053	$-87,702.81	$3,477.34	$-850.43	$4,327.76
10/01/2053	$-92,074.72	$3,477.34	$-894.57	$4,371.91
11/01/2053	$-96,491.22	$3,477.34	$-939.16	$4,416.50
12/01/2053	$-100,952.76	$3,477.34	$-984.21	$4,461.55
01/01/2054	$-105,459.82	$3,477.34	$-1,029.72	$4,507.05
02/01/2054	$-110,012.84	$3,477.34	$-1,075.69	$4,553.03
03/01/2054	$-114,612.31	$3,477.34	$-1,122.13	$4,599.47
04/01/2054	$-119,258.69	$3,477.34	$-1,169.05	$4,646.38
05/01/2054	$-123,952.47	$3,477.34	$-1,216.44	$4,693.78
06/01/2054	$-128,694.12	$3,477.34	$-1,264.32	$4,741.65
07/01/2054	$-133,484.14	$3,477.34	$-1,312.68	$4,790.02
08/01/2054	$-138,362.54	$3,505.75	$-1,372.66	$4,878.41
09/01/2054	$-143,291.12	$3,505.75	$-1,422.83	$4,928.57
10/01/2054	$-148,270.37	$3,505.75	$-1,473.51	$4,979.26
11/01/2054	$-153,300.83	$3,505.75	$-1,524.71	$5,030.46
12/01/2054	$-158,383.02	$3,505.75	$-1,576.44	$5,082.19
01/01/2055	$-163,517.47	$3,505.75	$-1,628.71	$5,134.45
02/01/2055	$-168,704.72	$3,505.75	$-1,681.50	$5,187.25
03/01/2055	$-173,945.32	$3,505.75	$-1,734.85	$5,240.59
04/01/2055	$-179,239.80	$3,505.75	$-1,788.74	$5,294.48
05/01/2055	$-184,588.73	$3,505.75	$-1,843.18	$5,348.93
06/01/2055	$-189,992.66	$3,505.75	$-1,898.19	$5,403.93
07/01/2055	$-195,452.17	$3,505.75	$-1,953.76	$5,459.50
TOTAL:	-	$1,113,770.38	$598,153.68	$515,616.70

Change options for different scenario in the form below:

Featured Minnesota Home Equity Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart	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 6x 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. NMLS #2443873.
Figure Home Equity	Intro APR 6.800 % After Intro: 6.800 %	$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.
Rate	Find what’s best for you: HELOC, Home Equity Loan, Cash Out Refi		Learn More
Nation's #2 retail mortgage lender in 2024. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. No in-person appraisal needed. More Info
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 governement 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.
Reliant Home Funding, Inc	Intro APR 6.800 % After Intro: 6.800 %	$15,000	Learn More
Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed More Info
Available APRs range from 6.60% - 14.15*, 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 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. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company.
Eastern Bank Equal Housing Lender	Intro APR 7.250 % After Intro: 7.250 %	$25,000	Learn More
Simple online applications means you can apply anywhere. Ability to convert your variable rate into as many as five fixed-rate loans. More Info
The Annual Percentage Rate (APR) is variable and based on the Prime Rate (Prime) published in the Wall Street Journal (7.50% APR on 7/1/2025) minus 0.25% APR adjusted after each billing cycle. To qualify for the lowest rate, a minimum draw of $25,000 is required at closing with automatic payments from an Eastern Checking Account. Minimum APR is 3.99%. Maximum APR is 18%. Minimum line amount is $10,000 and maximum line amount is $2,000,000. Must be for first or second lien, secured by your 1-4 family primary or secondary residence located in MA, NH, RI and CT. Investment properties are not eligible to be used to secure the line. Combined loan to value limits apply. Property insurance is required. Flood insurance may be required. Subject to credit application and approval. Rates are subject to change without notice. Appraisal fees range from $490 for single family homes to $610 for multifamily properties but could be higher. Title Search is paid by Eastern Bank as is Title Insurance unless the amount borrowed is greater than $750,000 then customer may incur a title Insurance fee, the fee varies by loan amount and state (CT, MA, NH & RI). Certain fees could apply depending on your situation. Customer is responsible for trust and power of attorney review ($100 each), recording fees for power of attorney and for properties held in trust ($105- $123). A list of fees is available upon request. A $350 early cancellation fee applies if the line is closed or rewritten within the first 24 months. Subject to a $50 annual participation fee.
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
Upstart	As low as 6.77% APR on your initial draw*		Learn More
As low as 6.77% APR on your initial draw* Get your money up to 6x 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 of 6 days or less and a funding timeline of 10 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.
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.
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.
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
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.

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