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Suppose you were to receive a home equity line of credit in the amount of $25,000.00. If you only wanted to borrow $xxxx.00, than all you would have to do is write out one of the check's the lender sent you and deposit it into your checking account. Your payment would than be based on the $xxxx.00 you borrowed from your line. Keep in mind, home equity credit lines do come with a rate that is variable, and that rate is based on prime. So, if the prime rate goes up, the rate on your home equity credit line will go up as well.