---
title: "How much of our home do we actually own? | Candor"
description: "Your home's value, the mortgage left, and how your equity grows as you pay it down. See what your agent needs and try the prompt with your finances in Candor."
url: "https://candor.money/explore/home-equity"
updated: "2026-11-13"
---

# How much of our home do we actually own?

Your home's value, the mortgage left, and how your equity grows as you pay it down.

[Try this with your agent↓](#try-prompt)

What your agent needs

Your home in Candor with its estimated value, and the mortgage balance and payment.

What you get back

A live page showing equity today and over time, with a value change and extra payments you can try.

When to use it

A focused review when this question comes up.

## Try it with your finances.

Copy the prompt into the AI agent you use with Candor. It works from your Candor records and asks for anything it's missing. New to Candor? [Connect your agent first.](https://candor.money/connect)

Your prompt

Show me how much of our home we actually own. Use the home's estimated value and the mortgage balance, rate, and payment in Candor, and help me add the home if it is not there yet. Build a live page in Candor that shows our equity today, how it grows as we pay the mortgage down, when the loan is paid off, and what an extra monthly payment would change. Let me try a different home value on the page. Treat the value as an estimate and keep it apart from money we can spend. If something the page depends on is missing, say so on the page instead of counting it as zero.

Nothing runs until you send the prompt to your agent.

## Your home's value is an estimate; the mortgage is not

Equity is the value of your home minus what you still owe. Candor can hold an estimated value for your home alongside the mortgage balance, rate, and payment. The value is an estimate and can move; the loan balance is a figure your lender reports.

### Check the answer

* Try a lower value on the page. Equity you would only have at a high estimate is not equity to plan around.
* Check whether the mortgage payment includes taxes and insurance. If it does, the loan pays off later than the full payment suggests.

### Choose a next step

Use the page to see what an extra payment would change. Keep the home apart from money you can spend when you plan anything else.

## Keep exploring.

[Looking aheadWhere is our net worth headed?Project what you own and owe over the years, with the life events you expect along the way.One-time reviewCalculator](https://candor.money/explore/net-worth-ahead)[Looking aheadWhen will I be debt-free?A payoff date for every card and loan at what you pay now, and what extra each month would change.One-time or monthlyCalculator](https://candor.money/explore/debt-free-date)[HouseholdAm I paying the right amount for insurance?Review costs and coverage alongside what has changed in your life.One-time review](https://candor.money/explore/insurance-review)

## Ask it with your own numbers.

Set up Candor, then send this to the agent you already use. It answers from your real records and keeps the plan for next time.

[Start free→](https://app.candor.money/signup)[Connect your agent](https://candor.money/connect)