HEI Calculator

How much ₿itcoin is sitting in your walls?

Enter your home value and mortgage balance. See exactly how much equity you can unlock via a Home Equity Investment — and how many sats that translates to at today's price.

Your Home Equity

Live BTC price

Estimated Home Value $500,000

$100k $3M

Current Mortgage Balance $250,000

$0 $2.5M

Desired Cash-Out Amount $50,000

$10k up to $500k

Convert Payout To

Available equity $250,000

Max HEI unlock $100,000

You'd receive ~ 0.5 BTC

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Adjust the sliders to preview your estimate

Enter your home value and mortgage balance on the left. Click "Calculate My Bitcoin" to unlock the full HEI breakdown, investor share terms, and exact crypto amount.

Your Estimated Crypto Prices live

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0.00000 BTC

≈ $0 at today's price

Estimated Bitcoin you'd receive after converting your HEI payout — delivered to your self-custody wallet.

Cash-Out Amount

from your equity

Available Equity

home − mortgage

Monthly Payments

none required

✓

Zero monthly payments. Ever.

An HEI is not a loan. The investor gets a share of your home's future appreciation when you sell or refinance — you pay nothing until then. No interest charges. No monthly bill eating into your Bitcoin stack.

HEI Terms Breakdown Based on Horizon-style HEI model

Cash you receive today $0

Investor's appreciation share —

Appreciation cap (max multiplier) 2.25× your investment amount

Term length 10–30 years (your choice)

Monthly payments ✓ None

Estimated investor payout (10yr, 3% appreciation) —

Your equity remaining at exit —

You keep your home ✓ Yes — stay and live there

How Long It Takes

Day 1–2

Pre-approval

Submit your home details. Soft credit pull only. BlockClose matches you to the best-terms HEI provider in your state.

Day 3–7

Home Appraisal

Licensed appraiser visits to confirm your home value. This determines the exact HEI terms and final approval amount.

Day 7–21

Underwriting & Docs

HEI provider reviews your application. You sign the investment agreement. No monthly obligation is created at this stage.

Day 21–28

Funding

Funds arrive in escrow. BlockClose executes the BTC conversion through OTC desks, targeting optimal entry within your funding window.

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Day 28–30

Bitcoin to Your Wallet

Bitcoin delivered directly to your self-custody wallet address. Your keys. Your coins.

HEI vs. HELOC vs. Cash-Out Refi

	HELOC	Cash-Out Refi	HEI via BlockClose
Monthly payments	Yes, interest + principal	Yes, new mortgage	✓None required
Creates new debt	Yes	Yes	✓No — equity share
Keep your home	Yes	Yes	✓Yes, stay there
Credit score impact	Hard pull + new credit line	New mortgage, higher DTI	Soft pull only
BTC conversion handled	✗DIY	✗DIY	✓Wallet delivery
Drains monthly cash flow	Yes — loan payment	Yes — higher mortgage	✓No monthly drain
Best for	Short-term cash need	Rate reduction	Bitcoin accumulation

No monthly payments

No new debt on your books

Keep living in your home

Bitcoin to your self-custody wallet

10–30 year terms

~30 days from application to BTC

How much ₿itcoin is sitting in your walls?

Your Home Equity

Adjust the sliders to preview your estimate

Zero monthly payments. Ever.

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HEI breakdown