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

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

Interest Type: Adjustable
Term: 30 Years
Interest Rate: 5.490%
Rate change (per year): 0.1%

Monthly Payment: Year 1: $1,443.73, Year 2: $1,469.56, Year 3: $1,495.39, Year 4: $1,521.21, Year 5: $1,547.04, Year 6: $1,572.87, Year 7: $1,598.69, Year 8: $1,624.52, Year 9: $1,650.35, Year 10: $1,676.17, Year 11: $1,702.00, Year 12: $1,727.83, Year 13: $1,753.66, Year 14: $1,779.48, Year 15: $1,805.31, Year 16: $1,831.14, Year 17: $1,856.96, Year 18: $1,882.79, Year 19: $1,908.62, Year 20: $1,934.45, Year 21: $1,960.27, Year 22: $1,986.10, Year 23: $2,011.93, Year 24: $2,037.75, Year 25: $2,063.58, Year 26: $2,089.41, Year 27: $2,115.23, Year 28: $2,141.06, Year 29: $2,166.89, Year 30: $2,192.72,

Date	Principal Balance^?	Monthly Payment^?	Interest^?	Monthly Amortization^?
06/27/2025	$250,000.00	$1,443.73	$1,164.58	$279.15
07/27/2025	$249,720.85	$1,443.73	$1,164.58	$279.15
08/27/2025	$249,440.40	$1,443.73	$1,163.28	$280.45
09/27/2025	$249,158.65	$1,443.73	$1,161.98	$281.75
10/27/2025	$248,875.58	$1,443.73	$1,160.66	$283.07
11/27/2025	$248,591.20	$1,443.73	$1,159.35	$284.39
12/27/2025	$248,305.48	$1,443.73	$1,158.02	$285.71
01/27/2026	$248,018.44	$1,443.73	$1,156.69	$287.04
02/27/2026	$247,730.06	$1,443.73	$1,155.35	$288.38
03/27/2026	$247,440.34	$1,443.73	$1,154.01	$289.72
04/27/2026	$247,149.27	$1,443.73	$1,152.66	$291.07
05/27/2026	$246,856.84	$1,443.73	$1,151.30	$292.43
06/27/2026	$246,557.80	$1,469.56	$1,170.51	$299.05
07/27/2026	$246,257.33	$1,469.56	$1,169.09	$300.46
08/27/2026	$245,955.44	$1,469.56	$1,167.67	$301.89
09/27/2026	$245,652.13	$1,469.56	$1,166.24	$303.32
10/27/2026	$245,347.37	$1,469.56	$1,164.80	$304.76
11/27/2026	$245,041.16	$1,469.56	$1,163.36	$306.20
12/27/2026	$244,733.51	$1,469.56	$1,161.90	$307.65
01/27/2027	$244,424.40	$1,469.56	$1,160.44	$309.11
02/27/2027	$244,113.82	$1,469.56	$1,158.98	$310.58
03/27/2027	$243,801.76	$1,469.56	$1,157.51	$312.05
04/27/2027	$243,488.23	$1,469.56	$1,156.03	$313.53
05/27/2027	$243,173.21	$1,469.56	$1,154.54	$315.02
06/27/2027	$242,851.14	$1,495.39	$1,173.31	$322.07
07/27/2027	$242,527.51	$1,495.39	$1,171.76	$323.63
08/27/2027	$242,202.32	$1,495.39	$1,170.20	$325.19
09/27/2027	$241,875.56	$1,495.39	$1,168.63	$326.76
10/27/2027	$241,547.23	$1,495.39	$1,167.05	$328.34
11/27/2027	$241,217.30	$1,495.39	$1,165.47	$329.92
12/27/2027	$240,885.79	$1,495.39	$1,163.87	$331.51
01/27/2028	$240,552.68	$1,495.39	$1,162.27	$333.11
02/27/2028	$240,217.96	$1,495.39	$1,160.67	$334.72
03/27/2028	$239,881.63	$1,495.39	$1,159.05	$336.33
04/27/2028	$239,543.67	$1,495.39	$1,157.43	$337.96
05/27/2028	$239,204.09	$1,495.39	$1,155.80	$339.59
06/27/2028	$238,856.97	$1,521.21	$1,174.09	$347.12
07/27/2028	$238,508.14	$1,521.21	$1,172.39	$348.82
08/27/2028	$238,157.61	$1,521.21	$1,170.68	$350.54
09/27/2028	$237,805.35	$1,521.21	$1,168.96	$352.26
10/27/2028	$237,451.37	$1,521.21	$1,167.23	$353.98
11/27/2028	$237,095.65	$1,521.21	$1,165.49	$355.72
12/27/2028	$236,738.18	$1,521.21	$1,163.74	$357.47
01/27/2029	$236,378.96	$1,521.21	$1,161.99	$359.22
02/27/2029	$236,017.97	$1,521.21	$1,160.23	$360.99
03/27/2029	$235,655.21	$1,521.21	$1,158.45	$362.76
04/27/2029	$235,290.67	$1,521.21	$1,156.67	$364.54
05/27/2029	$234,924.35	$1,521.21	$1,154.89	$366.33
06/27/2029	$234,549.97	$1,547.04	$1,172.66	$374.38
07/27/2029	$234,173.73	$1,547.04	$1,170.80	$376.24
08/27/2029	$233,795.60	$1,547.04	$1,168.92	$378.12
09/27/2029	$233,415.59	$1,547.04	$1,167.03	$380.01
10/27/2029	$233,033.69	$1,547.04	$1,165.13	$381.91
11/27/2029	$232,649.87	$1,547.04	$1,163.23	$383.81
12/27/2029	$232,264.15	$1,547.04	$1,161.31	$385.73
01/27/2030	$231,876.49	$1,547.04	$1,159.39	$387.65
02/27/2030	$231,486.90	$1,547.04	$1,157.45	$389.59
03/27/2030	$231,095.37	$1,547.04	$1,155.51	$391.53
04/27/2030	$230,701.88	$1,547.04	$1,153.55	$393.49
05/27/2030	$230,306.43	$1,547.04	$1,151.59	$395.45
06/27/2030	$229,902.36	$1,572.87	$1,168.81	$404.06
07/27/2030	$229,496.25	$1,572.87	$1,166.75	$406.11
08/27/2030	$229,088.08	$1,572.87	$1,164.69	$408.17
09/27/2030	$228,677.83	$1,572.87	$1,162.62	$410.24
10/27/2030	$228,265.51	$1,572.87	$1,160.54	$412.33
11/27/2030	$227,851.09	$1,572.87	$1,158.45	$414.42
12/27/2030	$227,434.57	$1,572.87	$1,156.34	$416.52
01/27/2031	$227,015.93	$1,572.87	$1,154.23	$418.64
02/27/2031	$226,595.17	$1,572.87	$1,152.11	$420.76
03/27/2031	$226,172.27	$1,572.87	$1,149.97	$422.90
04/27/2031	$225,747.23	$1,572.87	$1,147.82	$425.04
05/27/2031	$225,320.03	$1,572.87	$1,145.67	$427.20
06/27/2031	$224,883.61	$1,598.69	$1,162.28	$436.42
07/27/2031	$224,444.95	$1,598.69	$1,160.02	$438.67
08/27/2031	$224,004.01	$1,598.69	$1,157.76	$440.93
09/27/2031	$223,560.81	$1,598.69	$1,155.49	$443.21
10/27/2031	$223,115.31	$1,598.69	$1,153.20	$445.49
11/27/2031	$222,667.52	$1,598.69	$1,150.90	$447.79
12/27/2031	$222,217.42	$1,598.69	$1,148.59	$450.10
01/27/2032	$221,765.00	$1,598.69	$1,146.27	$452.42
02/27/2032	$221,310.25	$1,598.69	$1,143.94	$454.76
03/27/2032	$220,853.14	$1,598.69	$1,141.59	$457.10
04/27/2032	$220,393.69	$1,598.69	$1,139.23	$459.46
05/27/2032	$219,931.86	$1,598.69	$1,136.86	$461.83
06/27/2032	$219,460.14	$1,624.52	$1,152.81	$471.71
07/27/2032	$218,985.96	$1,624.52	$1,150.34	$474.18
08/27/2032	$218,509.29	$1,624.52	$1,147.85	$476.67
09/27/2032	$218,030.12	$1,624.52	$1,145.35	$479.17
10/27/2032	$217,548.44	$1,624.52	$1,142.84	$481.68
11/27/2032	$217,064.24	$1,624.52	$1,140.32	$484.20
12/27/2032	$216,577.50	$1,624.52	$1,137.78	$486.74
01/27/2033	$216,088.20	$1,624.52	$1,135.23	$489.29
02/27/2033	$215,596.35	$1,624.52	$1,132.66	$491.86
03/27/2033	$215,101.91	$1,624.52	$1,130.08	$494.44
04/27/2033	$214,604.88	$1,624.52	$1,127.49	$497.03
05/27/2033	$214,105.25	$1,624.52	$1,124.89	$499.63
06/27/2033	$213,595.01	$1,650.35	$1,140.11	$510.24
07/27/2033	$213,082.06	$1,650.35	$1,137.39	$512.95
08/27/2033	$212,566.37	$1,650.35	$1,134.66	$515.69
09/27/2033	$212,047.94	$1,650.35	$1,131.92	$518.43
10/27/2033	$211,526.75	$1,650.35	$1,129.16	$521.19
11/27/2033	$211,002.78	$1,650.35	$1,126.38	$523.97
12/27/2033	$210,476.02	$1,650.35	$1,123.59	$526.76
01/27/2034	$209,946.46	$1,650.35	$1,120.78	$529.56
02/27/2034	$209,414.07	$1,650.35	$1,117.96	$532.38
03/27/2034	$208,878.86	$1,650.35	$1,115.13	$535.22
04/27/2034	$208,340.79	$1,650.35	$1,112.28	$538.07
05/27/2034	$207,799.86	$1,650.35	$1,109.41	$540.93
06/27/2034	$207,247.53	$1,676.17	$1,123.85	$552.32
07/27/2034	$206,692.22	$1,676.17	$1,120.86	$555.31
08/27/2034	$206,133.91	$1,676.17	$1,117.86	$558.31
09/27/2034	$205,572.57	$1,676.17	$1,114.84	$561.33
10/27/2034	$205,008.20	$1,676.17	$1,111.80	$564.37
11/27/2034	$204,440.78	$1,676.17	$1,108.75	$567.42
12/27/2034	$203,870.29	$1,676.17	$1,105.68	$570.49
01/27/2035	$203,296.71	$1,676.17	$1,102.60	$573.58
02/27/2035	$202,720.04	$1,676.17	$1,099.50	$576.68
03/27/2035	$202,140.24	$1,676.17	$1,096.38	$579.80
04/27/2035	$201,557.31	$1,676.17	$1,093.24	$582.93
05/27/2035	$200,971.22	$1,676.17	$1,090.09	$586.09
06/27/2035	$200,372.89	$1,702.00	$1,103.67	$598.33
07/27/2035	$199,771.26	$1,702.00	$1,100.38	$601.62
08/27/2035	$199,166.34	$1,702.00	$1,097.08	$604.92
09/27/2035	$198,558.09	$1,702.00	$1,093.76	$608.25
10/27/2035	$197,946.51	$1,702.00	$1,090.41	$611.59
11/27/2035	$197,331.56	$1,702.00	$1,087.06	$614.95
12/27/2035	$196,713.24	$1,702.00	$1,083.68	$618.32
01/27/2036	$196,091.52	$1,702.00	$1,080.28	$621.72
02/27/2036	$195,466.39	$1,702.00	$1,076.87	$625.13
03/27/2036	$194,837.82	$1,702.00	$1,073.44	$628.57
04/27/2036	$194,205.80	$1,702.00	$1,069.98	$632.02
05/27/2036	$193,570.32	$1,702.00	$1,066.51	$635.49
06/27/2036	$192,921.64	$1,727.83	$1,079.15	$648.67
07/27/2036	$192,269.35	$1,727.83	$1,075.54	$652.29
08/27/2036	$191,613.42	$1,727.83	$1,071.90	$655.93
09/27/2036	$190,953.84	$1,727.83	$1,068.24	$659.58
10/27/2036	$190,290.58	$1,727.83	$1,064.57	$663.26
11/27/2036	$189,623.62	$1,727.83	$1,060.87	$666.96
12/27/2036	$188,952.94	$1,727.83	$1,057.15	$670.68
01/27/2037	$188,278.53	$1,727.83	$1,053.41	$674.42
02/27/2037	$187,600.35	$1,727.83	$1,049.65	$678.18
03/27/2037	$186,918.39	$1,727.83	$1,045.87	$681.96
04/27/2037	$186,232.64	$1,727.83	$1,042.07	$685.76
05/27/2037	$185,543.05	$1,727.83	$1,038.25	$689.58
06/27/2037	$184,839.26	$1,753.66	$1,049.86	$703.79
07/27/2037	$184,131.49	$1,753.66	$1,045.88	$707.77
08/27/2037	$183,419.71	$1,753.66	$1,041.88	$711.78
09/27/2037	$182,703.90	$1,753.66	$1,037.85	$715.81
10/27/2037	$181,984.05	$1,753.66	$1,033.80	$719.86
11/27/2037	$181,260.12	$1,753.66	$1,029.73	$723.93
12/27/2037	$180,532.09	$1,753.66	$1,025.63	$728.03
01/27/2038	$179,799.95	$1,753.66	$1,021.51	$732.15
02/27/2038	$179,063.66	$1,753.66	$1,017.37	$736.29
03/27/2038	$178,323.21	$1,753.66	$1,013.20	$740.45
04/27/2038	$177,578.56	$1,753.66	$1,009.01	$744.64
05/27/2038	$176,829.70	$1,753.66	$1,004.80	$748.86
06/27/2038	$176,065.52	$1,779.48	$1,015.30	$764.19
07/27/2038	$175,296.95	$1,779.48	$1,010.91	$768.57
08/27/2038	$174,523.96	$1,779.48	$1,006.50	$772.99
09/27/2038	$173,746.53	$1,779.48	$1,002.06	$777.42
10/27/2038	$172,964.65	$1,779.48	$997.59	$781.89
11/27/2038	$172,178.27	$1,779.48	$993.11	$786.38
12/27/2038	$171,387.38	$1,779.48	$988.59	$790.89
01/27/2039	$170,591.94	$1,779.48	$984.05	$795.43
02/27/2039	$169,791.94	$1,779.48	$979.48	$800.00
03/27/2039	$168,987.35	$1,779.48	$974.89	$804.59
04/27/2039	$168,178.13	$1,779.48	$970.27	$809.21
05/27/2039	$167,364.27	$1,779.48	$965.62	$813.86
06/27/2039	$166,533.86	$1,805.31	$974.90	$830.41
07/27/2039	$165,698.61	$1,805.31	$970.06	$835.25
08/27/2039	$164,858.50	$1,805.31	$965.19	$840.12
09/27/2039	$164,013.49	$1,805.31	$960.30	$845.01
10/27/2039	$163,163.55	$1,805.31	$955.38	$849.93
11/27/2039	$162,308.67	$1,805.31	$950.43	$854.88
12/27/2039	$161,448.81	$1,805.31	$945.45	$859.86
01/27/2040	$160,583.94	$1,805.31	$940.44	$864.87
02/27/2040	$159,714.03	$1,805.31	$935.40	$869.91
03/27/2040	$158,839.06	$1,805.31	$930.33	$874.98
04/27/2040	$157,958.98	$1,805.31	$925.24	$880.07
05/27/2040	$157,073.78	$1,805.31	$920.11	$885.20
06/27/2040	$156,170.69	$1,831.14	$928.04	$903.09
07/27/2040	$155,262.26	$1,831.14	$922.71	$908.43
08/27/2040	$154,348.47	$1,831.14	$917.34	$913.80
09/27/2040	$153,429.27	$1,831.14	$911.94	$919.19
10/27/2040	$152,504.65	$1,831.14	$906.51	$924.63
11/27/2040	$151,574.56	$1,831.14	$901.05	$930.09
12/27/2040	$150,638.97	$1,831.14	$895.55	$935.58
01/27/2041	$149,697.86	$1,831.14	$890.03	$941.11
02/27/2041	$148,751.19	$1,831.14	$884.46	$946.67
03/27/2041	$147,798.93	$1,831.14	$878.87	$952.27
04/27/2041	$146,841.03	$1,831.14	$873.25	$957.89
05/27/2041	$145,877.48	$1,831.14	$867.59	$963.55
06/27/2041	$144,894.57	$1,856.96	$874.05	$982.91
07/27/2041	$143,905.76	$1,856.96	$868.16	$988.80
08/27/2041	$142,911.03	$1,856.96	$862.24	$994.73
09/27/2041	$141,910.35	$1,856.96	$856.28	$1,000.69
10/27/2041	$140,903.66	$1,856.96	$850.28	$1,006.68
11/27/2041	$139,890.95	$1,856.96	$844.25	$1,012.72
12/27/2041	$138,872.16	$1,856.96	$838.18	$1,018.78
01/27/2042	$137,847.27	$1,856.96	$832.08	$1,024.89
02/27/2042	$136,816.24	$1,856.96	$825.93	$1,031.03
03/27/2042	$135,779.04	$1,856.96	$819.76	$1,037.21
04/27/2042	$134,735.62	$1,856.96	$813.54	$1,043.42
05/27/2042	$133,685.94	$1,856.96	$807.29	$1,049.67
06/27/2042	$132,615.29	$1,882.79	$812.14	$1,070.65
07/27/2042	$131,538.14	$1,882.79	$805.64	$1,077.15
08/27/2042	$130,454.44	$1,882.79	$799.09	$1,083.70
09/27/2042	$129,364.16	$1,882.79	$792.51	$1,090.28
10/27/2042	$128,267.26	$1,882.79	$785.89	$1,096.90
11/27/2042	$127,163.69	$1,882.79	$779.22	$1,103.57
12/27/2042	$126,053.42	$1,882.79	$772.52	$1,110.27
01/27/2043	$124,936.40	$1,882.79	$765.77	$1,117.02
02/27/2043	$123,812.60	$1,882.79	$758.99	$1,123.80
03/27/2043	$122,681.97	$1,882.79	$752.16	$1,130.63
04/27/2043	$121,544.47	$1,882.79	$745.29	$1,137.50
05/27/2043	$120,400.07	$1,882.79	$738.38	$1,144.41
06/27/2043	$119,232.91	$1,908.62	$741.46	$1,167.15
07/27/2043	$118,058.57	$1,908.62	$734.28	$1,174.34
08/27/2043	$116,877.00	$1,908.62	$727.04	$1,181.57
09/27/2043	$115,688.15	$1,908.62	$719.77	$1,188.85
10/27/2043	$114,491.97	$1,908.62	$712.45	$1,196.17
11/27/2043	$113,288.43	$1,908.62	$705.08	$1,203.54
12/27/2043	$112,077.48	$1,908.62	$697.67	$1,210.95
01/27/2044	$110,859.08	$1,908.62	$690.21	$1,218.41
02/27/2044	$109,633.17	$1,908.62	$682.71	$1,225.91
03/27/2044	$108,399.71	$1,908.62	$675.16	$1,233.46
04/27/2044	$107,158.65	$1,908.62	$667.56	$1,241.06
05/27/2044	$105,909.95	$1,908.62	$659.92	$1,248.70
06/27/2044	$104,636.56	$1,934.45	$661.05	$1,273.39
07/27/2044	$103,355.22	$1,934.45	$653.11	$1,281.34
08/27/2044	$102,065.88	$1,934.45	$645.11	$1,289.34
09/27/2044	$100,768.50	$1,934.45	$637.06	$1,297.38
10/27/2044	$99,463.02	$1,934.45	$628.96	$1,305.48
11/27/2044	$98,149.39	$1,934.45	$620.82	$1,313.63
12/27/2044	$96,827.56	$1,934.45	$612.62	$1,321.83
01/27/2045	$95,497.48	$1,934.45	$604.37	$1,330.08
02/27/2045	$94,159.10	$1,934.45	$596.06	$1,338.38
03/27/2045	$92,812.36	$1,934.45	$587.71	$1,346.74
04/27/2045	$91,457.22	$1,934.45	$579.30	$1,355.14
05/27/2045	$90,093.62	$1,934.45	$570.85	$1,363.60
06/27/2045	$88,703.19	$1,960.27	$569.84	$1,390.43
07/27/2045	$87,303.97	$1,960.27	$561.05	$1,399.22
08/27/2045	$85,895.89	$1,960.27	$552.20	$1,408.07
09/27/2045	$84,478.91	$1,960.27	$543.29	$1,416.98
10/27/2045	$83,052.97	$1,960.27	$534.33	$1,425.94
11/27/2045	$81,618.01	$1,960.27	$525.31	$1,434.96
12/27/2045	$80,173.97	$1,960.27	$516.23	$1,444.04
01/27/2046	$78,720.80	$1,960.27	$507.10	$1,453.17
02/27/2046	$77,258.43	$1,960.27	$497.91	$1,462.36
03/27/2046	$75,786.82	$1,960.27	$488.66	$1,471.61
04/27/2046	$74,305.90	$1,960.27	$479.35	$1,480.92
05/27/2046	$72,815.61	$1,960.27	$469.98	$1,490.29
06/27/2046	$71,296.14	$1,986.10	$466.63	$1,519.47
07/27/2046	$69,766.93	$1,986.10	$456.89	$1,529.21
08/27/2046	$68,227.92	$1,986.10	$447.09	$1,539.01
09/27/2046	$66,679.05	$1,986.10	$437.23	$1,548.87
10/27/2046	$65,120.25	$1,986.10	$427.30	$1,558.80
11/27/2046	$63,551.46	$1,986.10	$417.31	$1,568.79
12/27/2046	$61,972.62	$1,986.10	$407.26	$1,578.84
01/27/2047	$60,383.67	$1,986.10	$397.14	$1,588.96
02/27/2047	$58,784.53	$1,986.10	$386.96	$1,599.14
03/27/2047	$57,175.14	$1,986.10	$376.71	$1,609.39
04/27/2047	$55,555.44	$1,986.10	$366.40	$1,619.70
05/27/2047	$53,925.35	$1,986.10	$356.02	$1,630.08
06/27/2047	$52,263.49	$2,011.93	$350.07	$1,661.86
07/27/2047	$50,590.84	$2,011.93	$339.28	$1,672.65
08/27/2047	$48,907.34	$2,011.93	$328.42	$1,683.51
09/27/2047	$47,212.90	$2,011.93	$317.49	$1,694.44
10/27/2047	$45,507.47	$2,011.93	$306.49	$1,705.44
11/27/2047	$43,790.96	$2,011.93	$295.42	$1,716.51
12/27/2047	$42,063.31	$2,011.93	$284.28	$1,727.65
01/27/2048	$40,324.44	$2,011.93	$273.06	$1,738.87
02/27/2048	$38,574.29	$2,011.93	$261.77	$1,750.15
03/27/2048	$36,812.78	$2,011.93	$250.41	$1,761.51
04/27/2048	$35,039.83	$2,011.93	$238.98	$1,772.95
05/27/2048	$33,255.37	$2,011.93	$227.47	$1,784.46
06/27/2048	$31,436.27	$2,037.75	$218.65	$1,819.10
07/27/2048	$29,605.21	$2,037.75	$206.69	$1,831.06
08/27/2048	$27,762.11	$2,037.75	$194.65	$1,843.10
09/27/2048	$25,906.89	$2,037.75	$182.54	$1,855.22
10/27/2048	$24,039.47	$2,037.75	$170.34	$1,867.42
11/27/2048	$22,159.78	$2,037.75	$158.06	$1,879.69
12/27/2048	$20,267.73	$2,037.75	$145.70	$1,892.05
01/27/2049	$18,363.24	$2,037.75	$133.26	$1,904.49
02/27/2049	$16,446.22	$2,037.75	$120.74	$1,917.01
03/27/2049	$14,516.60	$2,037.75	$108.13	$1,929.62
04/27/2049	$12,574.29	$2,037.75	$95.45	$1,942.31
05/27/2049	$10,619.22	$2,037.75	$82.68	$1,955.08
06/27/2049	$8,626.34	$2,063.58	$70.71	$1,992.87
07/27/2049	$6,620.20	$2,063.58	$57.44	$2,006.14
08/27/2049	$4,600.70	$2,063.58	$44.08	$2,019.50
09/27/2049	$2,567.75	$2,063.58	$30.63	$2,032.95
10/27/2049	$521.27	$2,063.58	$17.10	$2,046.48
11/27/2049	$-1,538.84	$2,063.58	$3.47	$2,060.11
12/27/2049	$-3,612.67	$2,063.58	$-10.25	$2,073.83
01/27/2050	$-5,700.30	$2,063.58	$-24.05	$2,087.63
02/27/2050	$-7,801.84	$2,063.58	$-37.95	$2,101.53
03/27/2050	$-9,917.36	$2,063.58	$-51.95	$2,115.53
04/27/2050	$-12,046.98	$2,063.58	$-66.03	$2,129.61
05/27/2050	$-14,190.77	$2,063.58	$-80.21	$2,143.79
06/27/2050	$-16,375.85	$2,089.41	$-95.67	$2,185.08
07/27/2050	$-18,575.66	$2,089.41	$-110.40	$2,199.81
08/27/2050	$-20,790.29	$2,089.41	$-125.23	$2,214.64
09/27/2050	$-23,019.86	$2,089.41	$-140.16	$2,229.57
10/27/2050	$-25,264.46	$2,089.41	$-155.19	$2,244.60
11/27/2050	$-27,524.19	$2,089.41	$-170.32	$2,259.73
12/27/2050	$-29,799.16	$2,089.41	$-185.56	$2,274.97
01/27/2051	$-32,089.46	$2,089.41	$-200.90	$2,290.30
02/27/2051	$-34,395.21	$2,089.41	$-216.34	$2,305.74
03/27/2051	$-36,716.50	$2,089.41	$-231.88	$2,321.29
04/27/2051	$-39,053.43	$2,089.41	$-247.53	$2,336.94
05/27/2051	$-41,406.13	$2,089.41	$-263.29	$2,352.69
06/27/2051	$-43,803.96	$2,115.23	$-282.60	$2,397.83
07/27/2051	$-46,218.15	$2,115.23	$-298.96	$2,414.20
08/27/2051	$-48,648.83	$2,115.23	$-315.44	$2,430.67
09/27/2051	$-51,096.09	$2,115.23	$-332.03	$2,447.26
10/27/2051	$-53,560.05	$2,115.23	$-348.73	$2,463.97
11/27/2051	$-56,040.84	$2,115.23	$-365.55	$2,480.78
12/27/2051	$-58,538.55	$2,115.23	$-382.48	$2,497.71
01/27/2052	$-61,053.31	$2,115.23	$-399.53	$2,514.76
02/27/2052	$-63,585.23	$2,115.23	$-416.69	$2,531.92
03/27/2052	$-66,134.44	$2,115.23	$-433.97	$2,549.20
04/27/2052	$-68,701.04	$2,115.23	$-451.37	$2,566.60
05/27/2052	$-71,285.16	$2,115.23	$-468.88	$2,584.12
06/27/2052	$-73,918.68	$2,141.06	$-492.46	$2,633.52
07/27/2052	$-76,570.40	$2,141.06	$-510.65	$2,651.72
08/27/2052	$-79,240.43	$2,141.06	$-528.97	$2,670.04
09/27/2052	$-81,928.91	$2,141.06	$-547.42	$2,688.48
10/27/2052	$-84,635.97	$2,141.06	$-565.99	$2,707.05
11/27/2052	$-87,361.72	$2,141.06	$-584.69	$2,725.75
12/27/2052	$-90,106.31	$2,141.06	$-603.52	$2,744.59
01/27/2053	$-92,869.85	$2,141.06	$-622.48	$2,763.55
02/27/2053	$-95,652.49	$2,141.06	$-641.58	$2,782.64
03/27/2053	$-98,454.35	$2,141.06	$-660.80	$2,801.86
04/27/2053	$-101,275.57	$2,141.06	$-680.16	$2,821.22
05/27/2053	$-104,116.27	$2,141.06	$-699.65	$2,840.71
06/27/2053	$-107,011.11	$2,166.89	$-727.95	$2,894.83
07/27/2053	$-109,926.18	$2,166.89	$-748.19	$2,915.07
08/27/2053	$-112,861.64	$2,166.89	$-768.57	$2,935.46
09/27/2053	$-115,817.62	$2,166.89	$-789.09	$2,955.98
10/27/2053	$-118,794.26	$2,166.89	$-809.76	$2,976.65
11/27/2053	$-121,791.72	$2,166.89	$-830.57	$2,997.46
12/27/2053	$-124,810.14	$2,166.89	$-851.53	$3,018.42
01/27/2054	$-127,849.66	$2,166.89	$-872.63	$3,039.52
02/27/2054	$-130,910.43	$2,166.89	$-893.88	$3,060.77
03/27/2054	$-133,992.60	$2,166.89	$-915.28	$3,082.17
04/27/2054	$-137,096.32	$2,166.89	$-936.83	$3,103.72
05/27/2054	$-140,221.74	$2,166.89	$-958.53	$3,125.42
06/27/2054	$-143,406.52	$2,192.72	$-992.07	$3,184.78
07/27/2054	$-146,613.84	$2,192.72	$-1,014.60	$3,207.32
08/27/2054	$-149,843.85	$2,192.72	$-1,037.29	$3,230.01
09/27/2054	$-153,096.71	$2,192.72	$-1,060.15	$3,252.86
10/27/2054	$-156,372.58	$2,192.72	$-1,083.16	$3,275.87
11/27/2054	$-159,671.64	$2,192.72	$-1,106.34	$3,299.05
12/27/2054	$-162,994.03	$2,192.72	$-1,129.68	$3,322.39
01/27/2055	$-166,339.93	$2,192.72	$-1,153.18	$3,345.90
02/27/2055	$-169,709.50	$2,192.72	$-1,176.85	$3,369.57
03/27/2055	$-173,102.91	$2,192.72	$-1,200.69	$3,393.41
04/27/2055	$-176,520.33	$2,192.72	$-1,224.70	$3,417.42
05/27/2055	$-179,961.92	$2,192.72	$-1,248.88	$3,441.60
TOTAL:	-	$654,560.44	$224,319.37	$430,241.07

Change options for different scenario in the form below:

Featured New York Home Equity Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Farmers Bank of Kansas City Equal Housing Lender	Intro APR 8.750 % After Intro: 8.750 %	$25,000	Learn More
Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV More Info
This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms.
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.

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

Home Equity product from Ridgewood Savings Bank

Featured New York Home Equity Rates 2025

Home Equity and Mortgage Rate Newsletter

Download a Free eBook