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Most lenders allow up to 85% on primary residences. Texas max is 80%.
Based on your inputs, you may qualify for up to $185,750 with a HELOC. Results are estimates only — actual approval depends on your lender, appraisal, and full credit profile.
Lenders use the Combined Loan-to-Value (CLTV) ratio — the total of your mortgage plus HELOC divided by your home’s appraised value. Most lenders cap CLTV at 80–90%. The lower your existing mortgage relative to your home’s value, the more you can borrow.
Lenders typically require a minimum score of 620–680 to qualify for a HELOC. Scores below 700 often come with a lower maximum LTV (5–10% less) and higher interest rates. Scores above 740 generally unlock the best rates and highest CLTV limits.
Primary residences qualify for the highest LTV limits (up to 90%). Second homes are typically capped at 80–85%. Investment properties face the strictest limits — usually 70% CLTV — because lenders view them as higher risk. Some lenders won’t offer HELOCs on investment properties at all.