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Learn how to use the equity in your home wisely, calculate loan and HELOC payments, consolidate debt and more with home equity financial tools.


Get answers to your home equity financing questions.

  • The Equity in Your Home

    The amount of equity available for a home equity loan or home equity line of credit is determined by the loan-to-value ratio of the home and the ratio requirements of the lender.

  • Calculate a Home Equity Loan Payment

    Repayment of a home equity loan requires that the borrower make a monthly payment to the lender.

  • Calculate a Home Equity Line of Credit Payment

    Repayment of a home equity line of credit requires that the borrower make a monthly payment to the lender.

  • Using Home Equity for a Major Purchase

    When making a major purchase, using a home equity loan or line of credit is an alternative to financing offers often provided by a seller or manufacturer. In such cases, buyers often have the option of taking the seller-provided financing offer or a rebate on their purchase.

  • Home Equity Loan or Line of Credit?

    Home equity lines of credit often have more flexible repayment terms than a standard home equity loan.

  • Consolidating Debt with Home Equity

    Home equity loans can be used to consolidate account balances from multiple credit cards or installment loans into a single loan, while offering the added benefit of consolidating multiple payments into a single monthly payment.

  • Paying Off a Home Equity Loan or Line of Credit

    The length of time it will take to pay off a home equity loan or line of credit is largely driven by the interest rate being paid on the outstanding balance, how much you continue to use the line of credit and what monthly payment is made each month.









Financial calculators powered by Fintactix.

The calculators on this page are provided as a resource to help evaluate lending and other products. The information that these calculators provide is an estimate for illustrative purposes only, and Columbia Bank does not guarantee the accuracy of the information provided. We encourage you to consult a qualified financial professional with questions about personal or business finance.

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Umpqua Bank is the successor in interest to Columbia State Bank, doing business as Columbia Bank. You are now banking with Umpqua Bank. Deposits formerly held at Columbia Bank are not separately insured. These deposits are subject to Umpqua Bank’s FDIC deposit insurance coverage.