Using your home equity to purchase a second home is a powerful wealth-building strategy, but it carries significant risk as your primary residence serves as the collateral. In the current 2026 market, homeowners have substantial "tappable" equity—averaging while maintaining a safe 20% cushion. Primary Financing Strategies

There are three main ways to access your equity to fund a second property: Can You Use Home Equity To Buy Another House? | Bankrate