Home Equity Line of Credit product from The Citizens National Bank of Meridian - Amortization Schedule Calculator

Use the calculator below to calculate your monthly home equity payment for the line of credit from The Citizens National Bank of Meridian. 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 The Citizens National Bank of Meridian

Interest Type: Adjustable
Term: 30 Years
Interest Rate: 0.990%
Rate change (per year): 0.1%

Monthly Payment: Year 1: $742.61, Year 2: $810.74, Year 3: $878.87, Year 4: $947.00, Year 5: $1,015.12, Year 6: $1,083.25, Year 7: $1,151.38, Year 8: $1,219.51, Year 9: $1,287.64, Year 10: $1,355.77, Year 11: $1,423.90, Year 12: $1,492.03, Year 13: $1,560.16, Year 14: $1,628.29, Year 15: $1,696.42, Year 16: $1,764.55, Year 17: $1,832.67, Year 18: $1,900.80, Year 19: $1,968.93, Year 20: $2,037.06, Year 21: $2,105.19, Year 22: $2,173.32, Year 23: $2,241.45, Year 24: $2,309.58, Year 25: $2,377.71, Year 26: $2,445.84, Year 27: $2,513.97, Year 28: $2,582.10, Year 29: $2,650.22, Year 30: $2,718.35,

Date	Principal Balance^?	Monthly Payment^?	Interest^?	Monthly Amortization^?
10/31/2025	$210,000.00	$742.61	$190.75	$551.86
12/01/2025	$209,448.14	$742.61	$190.75	$551.86
01/01/2026	$208,895.78	$742.61	$190.25	$552.36
02/01/2026	$208,342.92	$742.61	$189.75	$552.86
03/01/2026	$207,789.56	$742.61	$189.24	$553.36
04/01/2026	$207,235.69	$742.61	$188.74	$553.87
05/01/2026	$206,681.32	$742.61	$188.24	$554.37
06/01/2026	$206,126.45	$742.61	$187.74	$554.87
07/01/2026	$205,571.08	$742.61	$187.23	$555.38
08/01/2026	$205,015.19	$742.61	$186.73	$555.88
09/01/2026	$204,458.81	$742.61	$186.22	$556.39
10/01/2026	$203,901.92	$742.61	$185.72	$556.89
11/01/2026	$203,293.38	$810.74	$202.20	$608.53
12/01/2026	$202,684.24	$810.74	$201.60	$609.14
01/01/2027	$202,074.50	$810.74	$201.00	$609.74
02/01/2027	$201,464.16	$810.74	$200.39	$610.35
03/01/2027	$200,853.20	$810.74	$199.79	$610.95
04/01/2027	$200,241.65	$810.74	$199.18	$611.56
05/01/2027	$199,629.48	$810.74	$198.57	$612.16
06/01/2027	$199,016.71	$810.74	$197.97	$612.77
07/01/2027	$198,403.33	$810.74	$197.36	$613.38
08/01/2027	$197,789.34	$810.74	$196.75	$613.99
09/01/2027	$197,174.75	$810.74	$196.14	$614.60
10/01/2027	$196,559.54	$810.74	$195.53	$615.21
11/01/2027	$195,891.98	$878.87	$211.30	$667.56
12/01/2027	$195,223.70	$878.87	$210.58	$668.28
01/01/2028	$194,554.70	$878.87	$209.87	$669.00
02/01/2028	$193,884.98	$878.87	$209.15	$669.72
03/01/2028	$193,214.54	$878.87	$208.43	$670.44
04/01/2028	$192,543.37	$878.87	$207.71	$671.16
05/01/2028	$191,871.49	$878.87	$206.98	$671.88
06/01/2028	$191,198.89	$878.87	$206.26	$672.60
07/01/2028	$190,525.56	$878.87	$205.54	$673.33
08/01/2028	$189,851.51	$878.87	$204.81	$674.05
09/01/2028	$189,176.73	$878.87	$204.09	$674.78
10/01/2028	$188,501.23	$878.87	$203.36	$675.50
11/01/2028	$187,772.58	$947.00	$218.35	$728.65
12/01/2028	$187,043.09	$947.00	$217.50	$729.49
01/01/2029	$186,312.75	$947.00	$216.66	$730.34
02/01/2029	$185,581.57	$947.00	$215.81	$731.18
03/01/2029	$184,849.54	$947.00	$214.97	$732.03
04/01/2029	$184,116.66	$947.00	$214.12	$732.88
05/01/2029	$183,382.94	$947.00	$213.27	$733.73
06/01/2029	$182,648.36	$947.00	$212.42	$734.58
07/01/2029	$181,912.93	$947.00	$211.57	$735.43
08/01/2029	$181,176.65	$947.00	$210.72	$736.28
09/01/2029	$180,439.52	$947.00	$209.86	$737.13
10/01/2029	$179,701.53	$947.00	$209.01	$737.99
11/01/2029	$178,909.54	$1,015.12	$223.13	$792.00
12/01/2029	$178,116.56	$1,015.12	$222.15	$792.98
01/01/2030	$177,322.59	$1,015.12	$221.16	$793.96
02/01/2030	$176,527.65	$1,015.12	$220.18	$794.95
03/01/2030	$175,731.71	$1,015.12	$219.19	$795.94
04/01/2030	$174,934.78	$1,015.12	$218.20	$796.92
05/01/2030	$174,136.87	$1,015.12	$217.21	$797.91
06/01/2030	$173,337.97	$1,015.12	$216.22	$798.90
07/01/2030	$172,538.07	$1,015.12	$215.23	$799.90
08/01/2030	$171,737.18	$1,015.12	$214.23	$800.89
09/01/2030	$170,935.30	$1,015.12	$213.24	$801.88
10/01/2030	$170,132.42	$1,015.12	$212.24	$802.88
11/01/2030	$169,274.59	$1,083.25	$225.43	$857.83
12/01/2030	$168,415.62	$1,083.25	$224.29	$858.97
01/01/2031	$167,555.52	$1,083.25	$223.15	$860.10
02/01/2031	$166,694.28	$1,083.25	$222.01	$861.24
03/01/2031	$165,831.89	$1,083.25	$220.87	$862.38
04/01/2031	$164,968.37	$1,083.25	$219.73	$863.53
05/01/2031	$164,103.69	$1,083.25	$218.58	$864.67
06/01/2031	$163,237.88	$1,083.25	$217.44	$865.82
07/01/2031	$162,370.91	$1,083.25	$216.29	$866.96
08/01/2031	$161,502.80	$1,083.25	$215.14	$868.11
09/01/2031	$160,633.54	$1,083.25	$213.99	$869.26
10/01/2031	$159,763.13	$1,083.25	$212.84	$870.41
11/01/2031	$158,836.74	$1,151.38	$225.00	$926.38
12/01/2031	$157,909.05	$1,151.38	$223.70	$927.69
01/01/2032	$156,980.06	$1,151.38	$222.39	$928.99
02/01/2032	$156,049.76	$1,151.38	$221.08	$930.30
03/01/2032	$155,118.14	$1,151.38	$219.77	$931.61
04/01/2032	$154,185.22	$1,151.38	$218.46	$932.92
05/01/2032	$153,250.98	$1,151.38	$217.14	$934.24
06/01/2032	$152,315.43	$1,151.38	$215.83	$935.55
07/01/2032	$151,378.55	$1,151.38	$214.51	$936.87
08/01/2032	$150,440.36	$1,151.38	$213.19	$938.19
09/01/2032	$149,500.85	$1,151.38	$211.87	$939.51
10/01/2032	$148,560.01	$1,151.38	$210.55	$940.84
11/01/2032	$147,562.10	$1,219.51	$221.60	$997.91
12/01/2032	$146,562.70	$1,219.51	$220.11	$999.40
01/01/2033	$145,561.81	$1,219.51	$218.62	$1,000.89
02/01/2033	$144,559.43	$1,219.51	$217.13	$1,002.38
03/01/2033	$143,555.55	$1,219.51	$215.63	$1,003.88
04/01/2033	$142,550.18	$1,219.51	$214.14	$1,005.38
05/01/2033	$141,543.30	$1,219.51	$212.64	$1,006.87
06/01/2033	$140,534.93	$1,219.51	$211.14	$1,008.38
07/01/2033	$139,525.05	$1,219.51	$209.63	$1,009.88
08/01/2033	$138,513.66	$1,219.51	$208.12	$1,011.39
09/01/2033	$137,500.76	$1,219.51	$206.62	$1,012.90
10/01/2033	$136,486.36	$1,219.51	$205.11	$1,014.41
11/01/2033	$135,413.68	$1,287.64	$214.97	$1,072.68
12/01/2033	$134,339.32	$1,287.64	$213.28	$1,074.36
01/01/2034	$133,263.26	$1,287.64	$211.58	$1,076.06
02/01/2034	$132,185.51	$1,287.64	$209.89	$1,077.75
03/01/2034	$131,106.06	$1,287.64	$208.19	$1,079.45
04/01/2034	$130,024.91	$1,287.64	$206.49	$1,081.15
05/01/2034	$128,942.06	$1,287.64	$204.79	$1,082.85
06/01/2034	$127,857.50	$1,287.64	$203.08	$1,084.56
07/01/2034	$126,771.23	$1,287.64	$201.38	$1,086.27
08/01/2034	$125,683.26	$1,287.64	$199.66	$1,087.98
09/01/2034	$124,593.57	$1,287.64	$197.95	$1,089.69
10/01/2034	$123,502.16	$1,287.64	$196.23	$1,091.41
11/01/2034	$122,351.20	$1,355.77	$204.81	$1,150.96
12/01/2034	$121,198.33	$1,355.77	$202.90	$1,152.87
01/01/2035	$120,043.54	$1,355.77	$200.99	$1,154.78
02/01/2035	$118,886.84	$1,355.77	$199.07	$1,156.70
03/01/2035	$117,728.23	$1,355.77	$197.15	$1,158.62
04/01/2035	$116,567.69	$1,355.77	$195.23	$1,160.54
05/01/2035	$115,405.23	$1,355.77	$193.31	$1,162.46
06/01/2035	$114,240.84	$1,355.77	$191.38	$1,164.39
07/01/2035	$113,074.52	$1,355.77	$189.45	$1,166.32
08/01/2035	$111,906.26	$1,355.77	$187.52	$1,168.26
09/01/2035	$110,736.07	$1,355.77	$185.58	$1,170.19
10/01/2035	$109,563.93	$1,355.77	$183.64	$1,172.13
11/01/2035	$108,330.86	$1,423.90	$190.82	$1,233.08
12/01/2035	$107,095.64	$1,423.90	$188.68	$1,235.22
01/01/2036	$105,858.26	$1,423.90	$186.52	$1,237.37
02/01/2036	$104,618.73	$1,423.90	$184.37	$1,239.53
03/01/2036	$103,377.04	$1,423.90	$182.21	$1,241.69
04/01/2036	$102,133.19	$1,423.90	$180.05	$1,243.85
05/01/2036	$100,887.17	$1,423.90	$177.88	$1,246.02
06/01/2036	$99,638.98	$1,423.90	$175.71	$1,248.19
07/01/2036	$98,388.62	$1,423.90	$173.54	$1,250.36
08/01/2036	$97,136.08	$1,423.90	$171.36	$1,252.54
09/01/2036	$95,881.36	$1,423.90	$169.18	$1,254.72
10/01/2036	$94,624.46	$1,423.90	$166.99	$1,256.91
11/01/2036	$93,305.12	$1,492.03	$172.69	$1,319.34
12/01/2036	$91,983.37	$1,492.03	$170.28	$1,321.75
01/01/2037	$90,659.21	$1,492.03	$167.87	$1,324.16
02/01/2037	$89,332.63	$1,492.03	$165.45	$1,326.58
03/01/2037	$88,003.64	$1,492.03	$163.03	$1,329.00
04/01/2037	$86,672.22	$1,492.03	$160.61	$1,331.42
05/01/2037	$85,338.36	$1,492.03	$158.18	$1,333.85
06/01/2037	$84,002.08	$1,492.03	$155.74	$1,336.29
07/01/2037	$82,663.35	$1,492.03	$153.30	$1,338.73
08/01/2037	$81,322.18	$1,492.03	$150.86	$1,341.17
09/01/2037	$79,978.57	$1,492.03	$148.41	$1,343.62
10/01/2037	$78,632.50	$1,492.03	$145.96	$1,346.07
11/01/2037	$77,222.40	$1,560.16	$150.06	$1,410.10
12/01/2037	$75,809.61	$1,560.16	$147.37	$1,412.79
01/01/2038	$74,394.12	$1,560.16	$144.67	$1,415.49
02/01/2038	$72,975.93	$1,560.16	$141.97	$1,418.19
03/01/2038	$71,555.03	$1,560.16	$139.26	$1,420.90
04/01/2038	$70,131.43	$1,560.16	$136.55	$1,423.61
05/01/2038	$68,705.10	$1,560.16	$133.83	$1,426.32
06/01/2038	$67,276.06	$1,560.16	$131.11	$1,429.05
07/01/2038	$65,844.28	$1,560.16	$128.39	$1,431.77
08/01/2038	$64,409.78	$1,560.16	$125.65	$1,434.51
09/01/2038	$62,972.54	$1,560.16	$122.92	$1,437.24
10/01/2038	$61,532.55	$1,560.16	$120.17	$1,439.99
11/01/2038	$60,026.82	$1,628.29	$122.55	$1,505.73
12/01/2038	$58,518.08	$1,628.29	$119.55	$1,508.73
01/01/2039	$57,006.34	$1,628.29	$116.55	$1,511.74
02/01/2039	$55,491.59	$1,628.29	$113.54	$1,514.75
03/01/2039	$53,973.83	$1,628.29	$110.52	$1,517.77
04/01/2039	$52,453.04	$1,628.29	$107.50	$1,520.79
05/01/2039	$50,929.22	$1,628.29	$104.47	$1,523.82
06/01/2039	$49,402.37	$1,628.29	$101.43	$1,526.85
07/01/2039	$47,872.47	$1,628.29	$98.39	$1,529.89
08/01/2039	$46,339.53	$1,628.29	$95.35	$1,532.94
09/01/2039	$44,803.54	$1,628.29	$92.29	$1,535.99
10/01/2039	$43,264.48	$1,628.29	$89.23	$1,539.05
11/01/2039	$41,657.84	$1,696.42	$89.77	$1,606.64
12/01/2039	$40,047.86	$1,696.42	$86.44	$1,609.98
01/01/2040	$38,434.55	$1,696.42	$83.10	$1,613.32
02/01/2040	$36,817.88	$1,696.42	$79.75	$1,616.66
03/01/2040	$35,197.86	$1,696.42	$76.40	$1,620.02
04/01/2040	$33,574.48	$1,696.42	$73.04	$1,623.38
05/01/2040	$31,947.73	$1,696.42	$69.67	$1,626.75
06/01/2040	$30,317.61	$1,696.42	$66.29	$1,630.12
07/01/2040	$28,684.10	$1,696.42	$62.91	$1,633.51
08/01/2040	$27,047.20	$1,696.42	$59.52	$1,636.90
09/01/2040	$25,406.91	$1,696.42	$56.12	$1,640.29
10/01/2040	$23,763.21	$1,696.42	$52.72	$1,643.70
11/01/2040	$22,049.96	$1,764.55	$51.29	$1,713.26
12/01/2040	$20,333.00	$1,764.55	$47.59	$1,716.95
01/01/2041	$18,612.34	$1,764.55	$43.89	$1,720.66
02/01/2041	$16,887.97	$1,764.55	$40.17	$1,724.37
03/01/2041	$15,159.87	$1,764.55	$36.45	$1,728.10
04/01/2041	$13,428.05	$1,764.55	$32.72	$1,731.83
05/01/2041	$11,692.48	$1,764.55	$28.98	$1,735.56
06/01/2041	$9,953.17	$1,764.55	$25.24	$1,739.31
07/01/2041	$8,210.11	$1,764.55	$21.48	$1,743.06
08/01/2041	$6,463.29	$1,764.55	$17.72	$1,746.83
09/01/2041	$4,712.69	$1,764.55	$13.95	$1,750.60
10/01/2041	$2,958.32	$1,764.55	$10.17	$1,754.37
11/01/2041	$1,132.27	$1,832.67	$6.63	$1,826.04
12/01/2041	$-697.86	$1,832.67	$2.54	$1,830.14
01/01/2042	$-2,532.10	$1,832.67	$-1.56	$1,834.24
02/01/2042	$-4,370.45	$1,832.67	$-5.68	$1,838.35
03/01/2042	$-6,212.93	$1,832.67	$-9.80	$1,842.47
04/01/2042	$-8,059.53	$1,832.67	$-13.93	$1,846.60
05/01/2042	$-9,910.27	$1,832.67	$-18.07	$1,850.74
06/01/2042	$-11,765.16	$1,832.67	$-22.22	$1,854.89
07/01/2042	$-13,624.21	$1,832.67	$-26.37	$1,859.05
08/01/2042	$-15,487.42	$1,832.67	$-30.54	$1,863.22
09/01/2042	$-17,354.82	$1,832.67	$-34.72	$1,867.39
10/01/2042	$-19,226.39	$1,832.67	$-38.90	$1,871.58
11/01/2042	$-21,171.90	$1,900.80	$-44.70	$1,945.51
12/01/2042	$-23,121.93	$1,900.80	$-49.22	$1,950.03
01/01/2043	$-25,076.49	$1,900.80	$-53.76	$1,954.56
02/01/2043	$-27,035.60	$1,900.80	$-58.30	$1,959.11
03/01/2043	$-28,999.26	$1,900.80	$-62.86	$1,963.66
04/01/2043	$-30,967.49	$1,900.80	$-67.42	$1,968.23
05/01/2043	$-32,940.29	$1,900.80	$-72.00	$1,972.80
06/01/2043	$-34,917.68	$1,900.80	$-76.59	$1,977.39
07/01/2043	$-36,899.67	$1,900.80	$-81.18	$1,981.99
08/01/2043	$-38,886.26	$1,900.80	$-85.79	$1,986.60
09/01/2043	$-40,877.48	$1,900.80	$-90.41	$1,991.21
10/01/2043	$-42,873.32	$1,900.80	$-95.04	$1,995.84
11/01/2043	$-44,945.51	$1,968.93	$-103.25	$2,072.19
12/01/2043	$-47,022.69	$1,968.93	$-108.24	$2,077.18
01/01/2044	$-49,104.86	$1,968.93	$-113.25	$2,082.18
02/01/2044	$-51,192.06	$1,968.93	$-118.26	$2,087.19
03/01/2044	$-53,284.28	$1,968.93	$-123.29	$2,092.22
04/01/2044	$-55,381.54	$1,968.93	$-128.33	$2,097.26
05/01/2044	$-57,483.85	$1,968.93	$-133.38	$2,102.31
06/01/2044	$-59,591.22	$1,968.93	$-138.44	$2,107.37
07/01/2044	$-61,703.67	$1,968.93	$-143.52	$2,112.45
08/01/2044	$-63,821.21	$1,968.93	$-148.60	$2,117.54
09/01/2044	$-65,943.84	$1,968.93	$-153.70	$2,122.64
10/01/2044	$-68,071.59	$1,968.93	$-158.81	$2,127.75
11/01/2044	$-70,278.26	$2,037.06	$-169.61	$2,206.67
12/01/2044	$-72,490.44	$2,037.06	$-175.11	$2,212.17
01/01/2045	$-74,708.12	$2,037.06	$-180.62	$2,217.68
02/01/2045	$-76,931.33	$2,037.06	$-186.15	$2,223.21
03/01/2045	$-79,160.08	$2,037.06	$-191.69	$2,228.75
04/01/2045	$-81,394.38	$2,037.06	$-197.24	$2,234.30
05/01/2045	$-83,634.25	$2,037.06	$-202.81	$2,239.87
06/01/2045	$-85,879.70	$2,037.06	$-208.39	$2,245.45
07/01/2045	$-88,130.75	$2,037.06	$-213.98	$2,251.05
08/01/2045	$-90,387.41	$2,037.06	$-219.59	$2,256.65
09/01/2045	$-92,649.68	$2,037.06	$-225.22	$2,262.28
10/01/2045	$-94,917.60	$2,037.06	$-230.85	$2,267.91
11/01/2045	$-97,267.20	$2,105.19	$-244.41	$2,349.60
12/01/2045	$-99,622.86	$2,105.19	$-250.46	$2,355.65
01/01/2046	$-101,984.58	$2,105.19	$-256.53	$2,361.72
02/01/2046	$-104,352.38	$2,105.19	$-262.61	$2,367.80
03/01/2046	$-106,726.28	$2,105.19	$-268.71	$2,373.90
04/01/2046	$-109,106.29	$2,105.19	$-274.82	$2,380.01
05/01/2046	$-111,492.43	$2,105.19	$-280.95	$2,386.14
06/01/2046	$-113,884.71	$2,105.19	$-287.09	$2,392.28
07/01/2046	$-116,283.16	$2,105.19	$-293.25	$2,398.44
08/01/2046	$-118,687.78	$2,105.19	$-299.43	$2,404.62
09/01/2046	$-121,098.59	$2,105.19	$-305.62	$2,410.81
10/01/2046	$-123,515.61	$2,105.19	$-311.83	$2,417.02
11/01/2046	$-126,017.28	$2,173.32	$-328.35	$2,501.67
12/01/2046	$-128,525.59	$2,173.32	$-335.00	$2,508.32
01/01/2047	$-131,040.58	$2,173.32	$-341.66	$2,514.98
02/01/2047	$-133,562.25	$2,173.32	$-348.35	$2,521.67
03/01/2047	$-136,090.62	$2,173.32	$-355.05	$2,528.37
04/01/2047	$-138,625.72	$2,173.32	$-361.77	$2,535.09
05/01/2047	$-141,167.55	$2,173.32	$-368.51	$2,541.83
06/01/2047	$-143,716.14	$2,173.32	$-375.27	$2,548.59
07/01/2047	$-146,271.51	$2,173.32	$-382.05	$2,555.37
08/01/2047	$-148,833.67	$2,173.32	$-388.84	$2,562.16
09/01/2047	$-151,402.64	$2,173.32	$-395.65	$2,568.97
10/01/2047	$-153,978.44	$2,173.32	$-402.48	$2,575.80
11/01/2047	$-156,642.04	$2,241.45	$-422.16	$2,663.61
12/01/2047	$-159,312.95	$2,241.45	$-429.46	$2,670.91
01/01/2048	$-161,991.19	$2,241.45	$-436.78	$2,678.23
02/01/2048	$-164,676.76	$2,241.45	$-444.13	$2,685.58
03/01/2048	$-167,369.70	$2,241.45	$-451.49	$2,692.94
04/01/2048	$-170,070.02	$2,241.45	$-458.87	$2,700.32
05/01/2048	$-172,777.75	$2,241.45	$-466.28	$2,707.73
06/01/2048	$-175,492.90	$2,241.45	$-473.70	$2,715.15
07/01/2048	$-178,215.49	$2,241.45	$-481.14	$2,722.59
08/01/2048	$-180,945.55	$2,241.45	$-488.61	$2,730.06
09/01/2048	$-183,683.09	$2,241.45	$-496.09	$2,737.54
10/01/2048	$-186,428.14	$2,241.45	$-503.60	$2,745.05
11/01/2048	$-189,264.37	$2,309.58	$-526.66	$2,836.24
12/01/2048	$-192,108.63	$2,309.58	$-534.67	$2,844.25
01/01/2049	$-194,960.91	$2,309.58	$-542.71	$2,852.29
02/01/2049	$-197,821.25	$2,309.58	$-550.76	$2,860.34
03/01/2049	$-200,689.68	$2,309.58	$-558.85	$2,868.42
04/01/2049	$-203,566.21	$2,309.58	$-566.95	$2,876.53
05/01/2049	$-206,450.86	$2,309.58	$-575.07	$2,884.65
06/01/2049	$-209,343.66	$2,309.58	$-583.22	$2,892.80
07/01/2049	$-212,244.64	$2,309.58	$-591.40	$2,900.97
08/01/2049	$-215,153.81	$2,309.58	$-599.59	$2,909.17
09/01/2049	$-218,071.20	$2,309.58	$-607.81	$2,917.39
10/01/2049	$-220,996.83	$2,309.58	$-616.05	$2,925.63
11/01/2049	$-224,017.27	$2,377.71	$-642.73	$3,020.44
12/01/2049	$-227,046.49	$2,377.71	$-651.52	$3,029.23
01/01/2050	$-230,084.53	$2,377.71	$-660.33	$3,038.04
02/01/2050	$-233,131.40	$2,377.71	$-669.16	$3,046.87
03/01/2050	$-236,187.13	$2,377.71	$-678.02	$3,055.73
04/01/2050	$-239,251.75	$2,377.71	$-686.91	$3,064.62
05/01/2050	$-242,325.28	$2,377.71	$-695.82	$3,073.53
06/01/2050	$-245,407.75	$2,377.71	$-704.76	$3,082.47
07/01/2050	$-248,499.19	$2,377.71	$-713.73	$3,091.44
08/01/2050	$-251,599.61	$2,377.71	$-722.72	$3,100.43
09/01/2050	$-254,709.06	$2,377.71	$-731.74	$3,109.44
10/01/2050	$-257,827.54	$2,377.71	$-740.78	$3,118.49
11/01/2050	$-261,044.71	$2,445.84	$-771.33	$3,217.17
12/01/2050	$-264,271.51	$2,445.84	$-780.96	$3,226.80
01/01/2051	$-267,507.96	$2,445.84	$-790.61	$3,236.45
02/01/2051	$-270,754.09	$2,445.84	$-800.29	$3,246.13
03/01/2051	$-274,009.94	$2,445.84	$-810.01	$3,255.84
04/01/2051	$-277,275.52	$2,445.84	$-819.75	$3,265.58
05/01/2051	$-280,550.87	$2,445.84	$-829.52	$3,275.35
06/01/2051	$-283,836.02	$2,445.84	$-839.31	$3,285.15
07/01/2051	$-287,131.00	$2,445.84	$-849.14	$3,294.98
08/01/2051	$-290,435.84	$2,445.84	$-859.00	$3,304.84
09/01/2051	$-293,750.57	$2,445.84	$-868.89	$3,314.72
10/01/2051	$-297,075.21	$2,445.84	$-878.80	$3,324.64
11/01/2051	$-300,502.68	$2,513.97	$-913.51	$3,427.47
12/01/2051	$-303,940.69	$2,513.97	$-924.05	$3,438.01
01/01/2052	$-307,389.28	$2,513.97	$-934.62	$3,448.58
02/01/2052	$-310,848.47	$2,513.97	$-945.22	$3,459.19
03/01/2052	$-314,318.29	$2,513.97	$-955.86	$3,469.83
04/01/2052	$-317,798.79	$2,513.97	$-966.53	$3,480.50
05/01/2052	$-321,289.98	$2,513.97	$-977.23	$3,491.20
06/01/2052	$-324,791.92	$2,513.97	$-987.97	$3,501.93
07/01/2052	$-328,304.62	$2,513.97	$-998.74	$3,512.70
08/01/2052	$-331,828.12	$2,513.97	$-1,009.54	$3,523.50
09/01/2052	$-335,362.46	$2,513.97	$-1,020.37	$3,534.34
10/01/2052	$-338,907.67	$2,513.97	$-1,031.24	$3,545.21
11/01/2052	$-342,560.15	$2,582.10	$-1,070.38	$3,652.48
12/01/2052	$-346,224.16	$2,582.10	$-1,081.92	$3,664.01
01/01/2053	$-349,899.75	$2,582.10	$-1,093.49	$3,675.59
02/01/2053	$-353,586.94	$2,582.10	$-1,105.10	$3,687.20
03/01/2053	$-357,285.78	$2,582.10	$-1,116.75	$3,698.84
04/01/2053	$-360,996.31	$2,582.10	$-1,128.43	$3,710.52
05/01/2053	$-364,718.55	$2,582.10	$-1,140.15	$3,722.24
06/01/2053	$-368,452.55	$2,582.10	$-1,151.90	$3,734.00
07/01/2053	$-372,198.34	$2,582.10	$-1,163.70	$3,745.79
08/01/2053	$-375,955.96	$2,582.10	$-1,175.53	$3,757.62
09/01/2053	$-379,725.45	$2,582.10	$-1,187.39	$3,769.49
10/01/2053	$-383,506.85	$2,582.10	$-1,199.30	$3,781.40
11/01/2053	$-387,400.27	$2,650.22	$-1,243.20	$3,893.43
12/01/2053	$-391,306.32	$2,650.22	$-1,255.82	$3,906.05
01/01/2054	$-395,225.03	$2,650.22	$-1,268.48	$3,918.71
02/01/2054	$-399,156.44	$2,650.22	$-1,281.19	$3,931.41
03/01/2054	$-403,100.60	$2,650.22	$-1,293.93	$3,944.16
04/01/2054	$-407,057.54	$2,650.22	$-1,306.72	$3,956.94
05/01/2054	$-411,027.31	$2,650.22	$-1,319.54	$3,969.77
06/01/2054	$-415,009.95	$2,650.22	$-1,332.41	$3,982.64
07/01/2054	$-419,005.50	$2,650.22	$-1,345.32	$3,995.55
08/01/2054	$-423,014.00	$2,650.22	$-1,358.28	$4,008.50
09/01/2054	$-427,035.49	$2,650.22	$-1,371.27	$4,021.50
10/01/2054	$-431,070.03	$2,650.22	$-1,384.31	$4,034.53
11/01/2054	$-435,221.69	$2,718.35	$-1,433.31	$4,151.66
12/01/2054	$-439,387.15	$2,718.35	$-1,447.11	$4,165.47
01/01/2055	$-443,566.47	$2,718.35	$-1,460.96	$4,179.32
02/01/2055	$-447,759.68	$2,718.35	$-1,474.86	$4,193.21
03/01/2055	$-451,966.84	$2,718.35	$-1,488.80	$4,207.15
04/01/2055	$-456,187.98	$2,718.35	$-1,502.79	$4,221.14
05/01/2055	$-460,423.16	$2,718.35	$-1,516.83	$4,235.18
06/01/2055	$-464,672.42	$2,718.35	$-1,530.91	$4,249.26
07/01/2055	$-468,935.81	$2,718.35	$-1,545.04	$4,263.39
08/01/2055	$-473,213.38	$2,718.35	$-1,559.21	$4,277.57
09/01/2055	$-477,505.17	$2,718.35	$-1,573.43	$4,291.79
10/01/2055	$-481,811.22	$2,718.35	$-1,587.70	$4,306.06
TOTAL:	-	$622,973.16	$-69,389.92	$692,363.08

Change options for different scenario in the form below:

Featured Colorado Home Equity Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Achieve Loans	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More
Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600 More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity.
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.
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.
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.
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
Agave Home Loans Equal Housing Lender	REFI, HELOC, & Home Equity Loan Options		Learn More
REFI, HELOC, & Home Equity Loan Options A+ BBB Rating & 1500+ 5-Star Reviews Get a Quote WITHOUT a Hard Credit Pull Top 3 in Customer Satisfaction by Lending Tree Q4 2024 More Info
This closed-end, fully amortizing home equity loan offers repayment terms from 15 to 30 years. The Annual Percentage Rate (APR) typically ranges from approximately 7.75% to 13.00%, depending on factors such as credit qualifications, loan-to-value ratio, property type, and market conditions. Origination fees of about 2% to 4% of the loan amount (potentially higher) may apply, and additional closing costs and fees may be required; these will be disclosed in your loan estimate. Minimum loan size of $50,000. All loan applications are subject to credit approval and formal underwriting, and product availability may vary based on property location, state restrictions, and other eligibility criteria. Rates and terms are for illustrative purposes only and are subject to change without notice; this is not a commitment to lend or an offer of credit. Homeowners insurance is required, and flood insurance may be required if the property is located in a Special Flood Hazard Area. Your home secures this loan, and you could lose your property if you fail to make payments. The maximum APR will not exceed the maximum permitted by law in your jurisdiction, and minimum and maximum loan amounts may apply. All information is provided “as is” without warranty of any kind. The lender assumes no liability for errors or omissions and reserves the right to modify or discontinue products at any time without prior notice.
Point Digital Finance	Get up to $600k with no monthly payments, ever.		Learn More
Use your funds your way No income verification - ideal for self-employment or retirement planning Enjoy maximum flexibility - 30 year term, no prepayment penalties Home Equity Investments are not considered a loan in all states More Info
Pointʼs Home Equity Investment (HEI) is an entirely new way to unlock your homeʼs wealth. Point partners with and invests alongside the homeowner in the property. Subject to underwriting approval, Point will pay you an upfront, lump sum amount in exchange for a portion of your home’s future appreciation. Future appreciation is based on using the risk adjusted Appreciation Starting Value and calculating any gain or loss based on the final appraised value of your home at the time of exit. Point charges up to a 3.9% processing fee (subject to a $2,000 minimum) and other third party paid closing costs such as appraisal, escrow, and government fees. The term is 30 years. Point will place a lien on your home to secure performance of the underlying agreement. There are no monthly payments or interest accrual. Homeowner’s repayment amount is based on the future value of the subject property at the time of exit, as outlined in the underlying agreement.
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.
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 The Citizens National Bank of Meridian - Amortization Schedule Calculator

Home Equity product from The Citizens National Bank of Meridian

Featured Colorado Home Equity Rates 2025

Home Equity and Mortgage Rate Newsletter

Download a Free eBook