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Cash-Out Refinance Calculator

See how much equity you can pull from your home and what your new payment would be.

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Cash-Out Refinance Calculator

Replace your current mortgage with a larger loan and take the difference in cash. Enter your numbers to see your available cash and new monthly payment.

Your Property & New Loan

Leave room within your max LTV
Talk to a Licensed Broker

Get Your Cash-Out Options

These figures are estimates. Send your info and Bilal will follow up the same business day with real cash-out refinance pricing for your situation.

CA DRE #01480904 · NMLS #300923 · No credit pull to start

How Much Cash Can You Take Out?

With a cash-out refinance, you replace your mortgage with a larger loan and receive the difference in cash. Most conventional and FHA cash-out loans are limited to about 80% of your home’s value; VA and some other programs may allow more.

If your current mortgage has a low rate, a HELOC or home equity loan may let you access cash without giving up that rate. We can compare both.

How to Use It
  1. Enter your home value and current loan balance
  2. Choose the maximum loan-to-value
  3. Enter the new rate and term
  4. See available cash and your new payment
Related

Frequently Asked Questions

Cash-out refinance or HELOC?
If your current rate is well below today’s rates, a second-lien HELOC or home equity loan often costs less overall. If your rate is already high, a cash-out refinance may make more sense.
What can I use the cash for?
Home improvements, paying off higher-interest debt, investing, or other needs. Investment and business uses can affect which program fits.
Can I do a cash-out refinance on a rental?
Yes. Conventional and DSCR programs offer cash-out on investment properties, typically at lower maximum loan-to-value.
Want Your Exact Numbers?

Calculators give estimates. A licensed broker can show your real rate and the programs you qualify for — no credit pull to start.

Get My Personalized Quote → or call 510-786-8739

Results are estimates for illustration only and are not a loan approval or commitment to lend. SI MTG · CA DRE #01480904 · NMLS #300923.

MIA — Mortgage Intelligence Assistant
Online · SI MTG Team
Hi! I'm MIA, your SI MTG mortgage assistant. I can help you find the right loan program, explain rates, or get you started. What can I help you with today?
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SI MTG · CA DRE #01480904 · NMLS #300923 · Not financial advice
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