Borrowing $40,000 worth of home equity has often been achievable for a wide range of homeowners. And it's become more so in recent years after home equity levels in the country hit a record high and the amount of borrowable equity surged past $10 trillion, on average. With most lenders requiring owners to keep a 20% equity threshold in the home as a buffer, $40,000 is still relatively accessible considering the surge in equity amounts across the country. While the amount of equity to borrow