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What is the end of draw period on my home equity line of credit? A home equity line of credit, or HELOC, is a line of credit secured by your home, giving you access to available funds for your next major project or purchase. From the day you open your line of credit, you may have ongoing access to available funds for up to 10 years. This is known as the draw period. After the draw period ends, your account begins the repayment period, which typically lasts 20 years until the maturity date. A home equity line of credit generally has a variable interest rate with an option to lock in a fixed rate. Whether your interest rate is variable or fixed, you will have a minimum payment due each month. During the draw period, your payments may be as low as interest only. But during the repayment period, your payment will switch to principal and interest, which may increase your payments substantially. There are some things you can explore during the draw period to help lessen the potential payment