Chase HELOC
Variable-rate HELOC from $35,000 to $400,000 with a 3-year draw period, up to 80% of your home's value
Lender terms checked October 14, 2026See lender siteThe Bottom Line
- Max line
- $400,000 (verified Oct 14, 2026). All rates and fees
Key facts
- Max CLTV: 80%
- Draw period: 3 years
- Fees: Up to 4.99% origination
Pros
- Credit lines from $35,000 to $400,000 against up to 80% of your home's value
- 3-year draw period, then interest-only payments for the first 10 years of the 30-year term outside Texas
- Publishes its rate cap (18%) and its origination fee ceiling
- Publishes a dated sample APR with its assumptions
Cons
- An origination fee of up to 4.99% of the credit limit, financed into the line
- At least 85% of the line must be drawn at closing, so it works more like a loan than a flexible line
- The rate is variable for the full 30 years, with no fixed-rate option published
- Single-family homes only, a 680 minimum score and a $35,000 minimum line
At a glance
Lender terms checked October 14, 2026- Product
- HELOC (Chase says it does not offer home equity loans)
- Lender type
- Bank
- Credit line
- $35,000 to $400,000
- Maximum combined loan-to-value
- 80%
- Minimum credit score
- 680
- Draw period
- 3 years
- Repayment period
- 30-year total term. Outside Texas: interest-only minimum payments for the first 10 years, then 20 years of principal and interest.
- Term details
- At least 85% of the line must be disbursed at closing, including fees and payoffs. The line cannot be used to buy the property it is secured by. Single-family residences only.
- Rate type
- Variable for the full 30-year term
- Index and margin
- Wall Street Journal Prime Rate plus a fixed margin (margin not published)
- Rate floor and cap
- The APR will not exceed 18%; no floor is published
- Origination fee
- Up to 4.99% of your total credit limit (1.99% in Texas), financed into the line
- Appraisal and closing costs
- You may pay for the appraisal. Title insurance may be required. In some states a mortgage recording tax of about 0.1% to 2.8% of the credit limit applies.
- Other costs and rules
- Property insurance is required, and flood insurance where it applies.
- States served
- Available in the U.S. except Texas, per its FAQ (its program disclosure also carries Texas terms, so confirm with Chase)
- Online application
- Yes
- NMLS ID
- 399798
Sources: chase.com/personal/mortgage/home-equity/home-eq…, chase.com/personal/mortgage/calculators-resourc…, read October 14, 2026
Sample pricing the lender publishes
Last verified October 14, 2026This is the lender's own example, not a quote for you. Stated as of September 18, 2026. Its assumptions: A new 30-year $100,000 HELOC with a combined loan-to-value of up to 55% on a single-family detached primary residence in Ohio (ZIP 43240), for a borrower with excellent credit. Prime Rate was 7% on that date.
| Item | Value | Detail |
|---|---|---|
| Variable HELOC, sample | 8.37% APR | Variable; changes with Prime |
Things to know before you apply
- The origination fee can be up to 4.99% of your total credit limit (1.99% in Texas) and is financed into the line.
- The line requires a minimum 85% disbursement at closing, including fees and payoffs.
- The rate is variable for the full 30-year term and will not exceed 18%. The margin is not published.
- You may pay for an appraisal, and in some states a mortgage recording tax of roughly 0.1% to 2.8% of the credit limit.
- The HELOC is available for single-family residences only.
- Chase's pages disagree about Texas: its FAQ says the HELOC is available except in Texas, while its program disclosure also carries Texas terms.
Regulatory record
We found no CFPB enforcement action about home equity lending by this lender on consumerfinance.gov. Searched the CFPB enforcement actions list on October 14, 2026 for JPMorgan. The only mortgage-related item is listed on Chase's mortgage page. That is not a clean bill of health: other regulators, courts and state agencies also act on lenders.
Where these numbers come from
Everything in the table above was read from the lender's own pages, listed here with the day we read them.
- HELOC page read October 14, 2026
- HELOC program information and calculator read October 14, 2026
- HELOC eligibility article read October 14, 2026
NMLS ID 399798, as the lender prints it on its own site. Confirm its licenses in your state on NMLS Consumer Access (that site blocks automated checks, so we have not confirmed the lookup ourselves).
What is Chase HELOC?
Chase HELOC is a home equity line of credit (HELOC) from JPMorgan Chase Bank, N.A. It is a bank. Product notes: HELOC (Chase says it does not offer home equity loans).
Limits and terms as the lender publishes them: Credit line: $35,000 to $400,000. Up to 80% combined loan-to-value. Minimum credit score: 680. Draw period: 3 years. Repayment: 30-year total term. Outside Texas: interest-only minimum payments for the first 10 years, then 20 years of principal and interest. Rate type: variable for the full 30-year term.
Fees, as published: Origination: Up to 4.99% of your total credit limit (1.99% in Texas), financed into the line. Closing costs: You may pay for the appraisal. Title insurance may be required. In some states a mortgage recording tax of about 0.1% to 2.8% of the credit limit applies.
Chase HELOC publishes an example rate with its assumptions (shown on this page, dated September 18, 2026). It is the lender's illustration, not a quote for you. HELOC rates are usually variable, so the rate you pay can change after you open the line.
Your home is the collateral for a HELOC, so falling behind on payments could put it at risk. We read these figures from the lender's own pages on October 14, 2026; the pages are listed under 'Where these numbers come from'.
Key details
$35,000 to $400,0003-year draw period, 30-year termVariable rate for the full term680 minimum credit scoreNMLS ID 399798
Explore more
Chase HELOC FAQ
How much can you borrow with Chase HELOC?
Chase HELOC publishes credit lines from $35,000 to $400,000. It lends up to 80% combined loan-to-value, which means your mortgage and the new line together can be at most that share of your home's value. The minimum credit score it states is 680. Your own limit depends on your home's value, what you owe and your credit.
Is the Chase HELOC rate fixed or variable?
Rate type: Variable for the full 30-year term. Rate basis: Wall Street Journal Prime Rate plus a fixed margin (margin not published). Floor and cap: The APR will not exceed 18%; no floor is published. A variable rate can change over the life of the line.
What fees does Chase HELOC charge?
Origination: Up to 4.99% of your total credit limit (1.99% in Texas), financed into the line. Closing costs: You may pay for the appraisal. Title insurance may be required. In some states a mortgage recording tax of about 0.1% to 2.8% of the credit limit applies.
What are the draw and repayment periods at Chase HELOC?
Draw period: 3 years; repayment: 30-year total term. outside texas: interest-only minimum payments for the first 10 years, then 20 years of principal and interest. During the draw period you can borrow and repay; after it ends you can no longer borrow and payments are often higher.
Will Chase HELOC quote my rate here?
No. Financeradar is not a lender and we do not quote personal rates. We show what the lender publishes, with the date we checked it. Your own rate comes from an official offer from the lender.
Source: chase.com