The amount you can borrow from your home’s equity is largely determined by your available equity amount, property type, credit qualifications, and state requirements based on the home’s location. To determine your available equity for a primary residence, in Texas, take 80% of your home’s appraised or fair market value and subtract the balances of any outstanding mortgages and liens on the property. In South Carolina take 90% of the home’s appraised or fair market value. If you qualify, the minimum home equity line of credit amount offered by HFCU is $5,000 and in most cases the maximum amount offered by HFCU is $350,000.