How Much Would a 100k HELOC Payment Be?

The monthly payment for a $100,000 HELOC at an average interest rate of 9.8%, with a 10-year term would be approximately $1,310. Extending the term to 15 years reduces the monthly payment to around $1,062 a decrease of about $248. However, the total cost of the debt significantly increases with a 15-year term: approximately $57,255 for the 10-year term versus $91,233 for the 15-year term.

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