Minimum amounts that you can access through a HELOC vary from lender to lender – anywhere from no minimum amount up to a minimum of $50,000.Maximum amounts are standard across the board. You can access up to a maximum of 65% of the value of your home. But, it’s also important to note that your mortgage balance plus your HELOC amount combined must not add up to more than 80% of your home’s total value. Not all lenders offer HELOCs.