HEI Calculator — Compare HEIs and HEAs

Compare your eligibility and estimated cost — modeled from real contract terms.

Your Home Details

State

Home Value

Mortgage Balance

Credit Score

Amount You Want

Repayment Timeline

Advanced assumptions

Property Type

Residency

Lien Position

Eligibility & Cost Overview

ClickTap each provider's result in the Eligibility column below to see why you may or may not qualify.

Provider	Eligibility	Max Term	Cash Available	Est. APR	Key Distinction

About Est. APR: measures the estimated annualized cost of an HEA/HEI. It's a fair way to compare HEI/HEA providers against each other, and a useful reference point against other financing options. However, rate alone doesn't capture total cost. Most loan products pay down principal via monthly payments, while an HEA/HEI's full amount accrues untouched until settlement, so a similar rate can mean very different total dollar costs.

Year-by-Year Cost Comparison

Amount to access

Home price appreciation

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Cost ranking: lowest mid highest

Limit: $X Your requested amount exceeds this provider's maximum — reduce to compare.

Min: $X Your requested amount is below this provider's minimum — increase to compare.

X-yr max term Provider's maximum term ends before this exit year.

Curious how this compares to today's HELOC or credit card rates? See HEI Rates.