Home equity lines of credit (HELOCs) are useful tools for consolidating debt and covering the costs of home repairs and renovations. Whether you should use one for your own financial goals, though, depends on just how much cash you need — and the amount you qualify to borrow. How much could you potentially get with a HELOC? Here’s how to run the numbers. Calculation: How much you can borrow with a HELOC The amount of money you can get from a HELOC depends on the maximum combined loan-to-value ratio that ...