HELOC

10 Essential HELOC Requirements: What You Need to Qualify

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HELOC requirements showing credit score, home equity, CLTV, debt-to-income ratio, income and property requirements for a home equity line of credit in the United States.

HELOC requirements can vary from one lender to another, but most lenders look closely at your home equity, credit history, income, debt-to-income ratio, property, and ability to repay the line of credit. In 2026, some major lenders publicly list minimum credit scores around 660, but there is no single credit score or equity requirement that applies to every HELOC lender.