Awasome Home Equity Loan 20 Years Percentage References. As you pay down your mortgage balance, the amount of your home equity usually. Lenders typically require that you have between 15 percent and 20 percent equity in your home in order to take out a home equity.

Available home equity at 80%: Available home equity at 100%: In certain market conditions, you may be able to borrow up to 90 or even 95% of the.