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Home equity · A plain-language guide

What you own, and what you might keep.

Estimated home value minus mortgage and other property-secured debt gives you an equity starting point. Selling costs still need to be considered.

The starting relationship

Value less secured debt.

Use a supported value estimate and account for the debt tied to the property. Lender payoff statements and title research help clarify what must be paid.

This page explains the relationship. It does not calculate, request, save or transmit property information.

Start with a home-value estimate →
  1. Start withEstimated home value
  2. SubtractMortgage and other secured debt
  3. The differenceEstimated equity

Choose what happens next

Keep learning privately—or ask for property-specific help.

Move from equity to likely net

Read the complete guide to the costs and assumptions that can change what remains after a sale.

Continue privately

Talk through your situation

Choose to call or text David Team Homes about your property, timing, or selling questions. Using this tool does not send us your answers; you decide what to share when you contact us.

Get a property-specific review