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How much of your home equity can you use?
Monthly cash freed up
$512/mo
Consolidating $25,000 of debt into a new 25-year mortgage at 4.44%.
New mortgage payment
$2,338/mo
Old combined payments
$2,850/mo
Equity used
$25,000
New LTV
56.7%
Rolling that debt into your mortgage stretches it across 25 years. Even at a lower rate, the total interest on that portion comes to roughly $16,261, versus $15,273 if left on its current terms.
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The new mortgage
Existing balance$400,000
Debt consolidated$25,000
New mortgage amount$425,000
New monthly payment$2,338
What this assumed
Available equity to 80% LTV$200,000
New amortization25 years
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These figures use one rate and general guidelines. A licensed mortgage agent can tell you which lenders would actually take your file, and what using your home equity looks like for you specifically.
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New amortizationi
Last reviewed August 2026 · rates and rules from Sources & method
What this number means
This is what a new mortgage payment would look like if your highest-interest debt were rolled into it at today's rate, capped at 80% of your home's value. The rate gap between that debt and your new mortgage is what creates the savings.