No Closing Costs?
Navy Federal Credit Union is famous for paying most closing costs on HELOCs. See how much you could save compared to a traditional bank.
Navy Federal HELOC Calculator
Navy Federal Credit Union (NFCU) offers some of the most competitive HELOC products on the market, often with no closing costs and higher Loan-to-Value (LTV) limits than commercial banks. Use this calculator to estimate your payments and potential upfront savings.
Estimate Payments & Savings
Est. Monthly Payment
$344
Interest Only @ 8.25%
Upfront Savings
$1,200
Money kept in your pocket at closing.
Frequently Asked Questions
Who can join Navy Federal?
Membership is open to active duty, retired, and veterans of the armed forces (Army, Marine Corps, Navy, Air Force, Coast Guard, Space Force), their families, and Department of Defense civilians.
Does Navy Federal really pay closing costs?
Yes, for most HELOCs, Navy Federal pays the closing costs. However, if you close your equity line within 3 years, you may be required to reimburse some of those costs. Always check the fine print.
What is the max LTV for Navy Federal?
Navy Federal is one of the few lenders that may offer HELOCs up to 95% or even 100% of your home's value (Combined Loan-to-Value), though rates may be higher for LTVs above 80%.