{"id":76523,"date":"2026-04-20T19:52:35","date_gmt":"2026-04-20T19:52:35","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/100000-home-equity-loan-vs-100000-heloc-which-has-the-cheaper-monthly-payments-now\/"},"modified":"2026-04-20T19:52:35","modified_gmt":"2026-04-20T19:52:35","slug":"100000-home-equity-loan-vs-100000-heloc-which-has-the-cheaper-monthly-payments-now","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/100000-home-equity-loan-vs-100000-heloc-which-has-the-cheaper-monthly-payments-now\/","title":{"rendered":"$100,000 home equity loan vs. $100,000 HELOC: Which has the cheaper monthly payments now?"},"content":{"rendered":"<p> <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<\/p>\n<div id=\"\">\n<figure class=\"embed embed--type-image is-image embed--float-none embed--size-medium\">\n<p>      <span class=\"img embed__content\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2026\/04\/20\/dbd8ab25-cef6-49d8-b91c-167306fb21fb\/thumbnail\/620x413\/ec7ca6089187c5048ce6b32c26b27671\/gettyimages-2240372566.jpg#\" alt=\"gettyimages-2240372566.jpg \" height=\"413\" width=\"620\" class=\" lazyload\" srcset=\"https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2026\/04\/20\/dbd8ab25-cef6-49d8-b91c-167306fb21fb\/thumbnail\/620x413\/ec7ca6089187c5048ce6b32c26b27671\/gettyimages-2240372566.jpg 1x, https:\/\/assets1.cbsnewsstatic.com\/hub\/i\/r\/2026\/04\/20\/dbd8ab25-cef6-49d8-b91c-167306fb21fb\/thumbnail\/1240x826\/4b3bab50d9383b95268d16c3305312c6\/gettyimages-2240372566.jpg 2x\" loading=\"lazy\"\/><\/span><figcaption class=\"embed__caption-container\">\n<p>                  <span class=\"embed__caption\">The average homeowner has a record amount of equity from which to borrow now.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                Muhammad Aqib\/Getty Images<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>Borrowing <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-home-equity\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity<\/a><\/span>, whether it be via a <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-a-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity loan<\/a><\/span> or <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-a-heloc\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity line of credit (HELOC)<\/a><\/span> is a simple and effective way for homeowners to make ends meet. But they won&#8217;t be able to withdraw all of their accumulated equity as many lenders require a 20% threshold to be kept in the home as a buffer.\u00a0<\/p>\n<p>In today&#8217;s economic climate, however, this is hardly an obstacle for the average homeowner with <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/home-equity-levels-hit-new-high-how-to-borrow-yours-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">equity levels<\/a><\/span> in the country sitting at a record high. There&#8217;s around <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-much-home-equity-homeowners-borrow-march-2026\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">$11 trillion in equity<\/a><\/span> that&#8217;s considered borrowable by homeowners now, according to a March report. So, withdrawing a large, six-figure amount like $100,000 should be relatively easy. And with <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/todays-home-equity-loan-heloc-interest-rates-april-14-2026\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">interest rates on home equity loans and HELOCs<\/a><\/span> considerably lower than they were in recent years, this is also one of your cheapest ways to not only borrow equity but also to borrow money overall.<\/p>\n<p>Still, your <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/can-you-lose-your-home-with-a-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home does function as collateral in these exchanges<\/a><\/span>, so it&#8217;s critical that you go into the process clear-eyed and informed, particularly about the costs you&#8217;ll be expected to repay each month. Between a $100,000 home equity loan and a $100,000 HELOC, then, which will have the cheaper monthly payments now? Below, we&#8217;ll crunch the numbers homeowners need to know.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/sf8a94a9d5c8?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2F100000-home-equity-loan-vs-heloc-which-cheaper-monthly-payments-now\" target=\"_blank\" rel=\"sponsored, noopener\">Start by seeing how much home equity you have to borrow here<\/a>.<\/p>\n<h2><strong>$100,000 home equity loan vs. $100,000 HELOC: Which has the cheaper monthly payments now?<\/strong><\/h2>\n<p>It&#8217;s simple to calculate the costs of a home equity loan because the product has a <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-to-decide-fixed-or-variable-rate-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">fixed interest rate<\/a><\/span> that will remain the same unless refinanced. A HELOC, however, has a variable rate that will change over time. Another thing to note: interest-only payments will typically be required for the HELOC&#8217;s initial, 10-year <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/heloc-draw-repayment-periods-what-to-know\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">draw period<\/a><\/span>, while the home equity loan will be delivered in a lump sum and, thus, payments on the full loan will be expected to be made immediately.\u00a0<\/p>\n<p>Here&#8217;s how much each will cost monthly now, tied to two common repayment periods and the assumption that both products are fully used and then repaid (and that the HELOC rate remains constant):<\/p>\n<h3><strong>$100,000 home equity loans<\/strong><\/h3>\n<ul>\n<li><strong><strong>10-year home equity loan at 6.96%: <\/strong><\/strong>$1,159.02 per month<\/li>\n<li><strong><strong>15-year home equity loan at 6.96%: <\/strong><\/strong>$896.59 per month<\/li>\n<\/ul>\n<h3><strong>$100,000 HELOCs<\/strong><\/h3>\n<ul>\n<li><strong><strong>10-year HELOC at 7.11%: <\/strong><\/strong>$1,166.76 per month<\/li>\n<li><strong><strong>15-year HELOC at 7.11%: <\/strong><\/strong>$904.99 per month<\/li>\n<\/ul>\n<p>For reference, here&#8217;s what both cost <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/100000-home-equity-loan-vs-100000-heloc-which-is-cheaper-september-2025-fed-cut-rates\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">in September 2025<\/a><\/span>:<\/p>\n<h3><strong>$100,000 home equity loans<\/strong><\/h3>\n<ul>\n<li><strong><strong>10-year home equity loan at 8.43%: <\/strong><\/strong>$1,236.12 per month<\/li>\n<li><strong><strong>15-year home equity loan at 8.31%:<\/strong> <\/strong>$973.63 per month<\/li>\n<\/ul>\n<h3><strong>$100,000 HELOCs<\/strong><\/h3>\n<ul>\n<li><strong><strong>10-year HELOC at 8.05%: <\/strong><\/strong>$1,215.92 per month<\/li>\n<li><strong><strong>15-year HELOC at 8.05%: <\/strong><\/strong>$958.54 per month<\/li>\n<\/ul>\n<p>And here&#8217;s how much more expensive each was earlier that year:<\/p>\n<h3><strong>$100,000 home equity loans<\/strong><\/h3>\n<ul>\n<li><strong><strong>10-year home equity loan at 8.57%: <\/strong><\/strong>$1,243.60 per month<\/li>\n<li><strong><strong>15-year home equity loan at 8.52%: <\/strong><\/strong>$985.91 per month<\/li>\n<\/ul>\n<h3><strong>$100,000 HELOCs<\/strong><\/h3>\n<ul>\n<li><strong><strong>10-year HELOC at 8.26%: <\/strong><\/strong>$1,227.06 per month<\/li>\n<li><strong><strong>15-year HELOC at 8.26%: <\/strong><\/strong>$970.72 per month<\/li>\n<\/ul>\n<p>So, even though the calculations above require some speculating, the trajectory here is still clear \u2013 the costs of borrowing with a home equity loan or HELOC are clearly declining. And that makes the benefits of borrowing a six-figure sum, such as $100,000, stronger, as borrowers will gain access to a large amount of money while still having manageable repayment costs.\u00a0<\/p>\n<p>That noted, prospective HELOC borrowers should also preemptively calculate their costs against rates that are both higher and lower than the averages noted here, as the <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-often-do-heloc-rates-change\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">HELOC rate can change monthly<\/a><\/span> and will almost certainly change over a multi-year repayment period.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/sf8a94a9d5c8?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2F100000-home-equity-loan-vs-heloc-which-cheaper-monthly-payments-now\" target=\"_blank\" rel=\"sponsored, noopener\">Learn more about your home equity loan and HELOC options here<\/a>.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>This spring, a $100,000 home equity loan has cheaper monthly payments than a $100,000 HELOC. But the difference between the two isn&#8217;t stark, and if rates decline again later this year, the HELOC could actually become the more cost-effective option. Evaluate both carefully before getting started, and diligently shop for rates and lenders online, as <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/when-you-should-get-a-home-equity-loan-from-a-different-lender\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">you don&#8217;t need to use the same lender that holds your mortgage to borrow equity<\/a><\/span>, nor should you if you can find better rates and terms elsewhere.<\/p>\n<section class=\"content__body--footer\">\n<p class=\"content__meta--editors\">\n      Edited by<\/p>\n<p>                                  <a href=\"https:\/\/www.cbsnews.com\/team\/angelica-leicht\/\" class=\"byline__author__link\" data-invalid-url-rewritten-http=\"\">Angelica  Leicht<\/a>\n                      <\/p>\n<\/section>\n<section class=\"content__body--footer\">\n      <!-- tags --><br \/>\n    <\/section>\n<\/p><\/div>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<br \/><a href=\"https:\/\/www.cbsnews.com\/news\/100000-home-equity-loan-vs-heloc-which-cheaper-monthly-payments-now\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The average homeowner has a record amount of equity from which to borrow now. Muhammad Aqib\/Getty Images Borrowing home equity,<\/p>\n","protected":false},"author":1,"featured_media":76524,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-76523","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>$100,000 home equity loan vs. $100,000 HELOC: Which has the cheaper monthly payments now? - World News<\/title>\n<meta name=\"description\" content=\"Home equity loans and HELOCs both offer affordable ways to borrow $100,000 now, but which will actually be cheaper?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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