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How should I finance my renovation?

Lite version. Compares 4 loan products side-by-side — full calc adds rate-reset trap, LTV violations, and product-specific insights.

Project cost

Home value

Mortgage balance

Credit score

Available equity at 85% CLTV: $181,250

Product

Monthly

All-in

HELOC

9.85% · Viable

$591

$26,139

Home Equity Loan

8.40% · Best fit

$567

$22,997

Cash-Out Refinance

7.30% · Viable

$2,073

$180,023

Personal Loan

12.40% · Viable

$812

$23,214

All-in = total interest + closing costs + cash-out refi rate-reset penalty. Term assumed 10 yrs (cash-out refi 15, personal loan capped at 7).

Open the full calculator on HavenCostGuide