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Equity you have, and equity you can actually use.
They are different numbers. The home's value minus the loan is yours on paper; what a lender will typically release stops at 80 percent of the value. Two inputs shows you both.
What a lender would typically release
The 80 percent line is a market convention, not a promise: a lender assesses the whole position before releasing anything. Estimates only, not an offer of credit.
Thinking about what released equity could carry? See what the repayments would look like, or head back to all the tools.