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Cash-out refinance calculator

Replace your current mortgage with a new, larger one and take the difference in cash. We'll show how much you can pull at today's rates, what your new payment looks like, and where your loan-to-value lands.

Your home

New cash-out loan

Standard FHA cash-out planning uses 80% maximum LTV/CLTV of adjusted value. HUD Mortgagee Letter 2019-11 excludes Section 247 Hawaiian Homelands mortgages. Eligibility, mortgage insurance, loan limits and lender overlays still require review. HUD source

Cash you'd receive
$222,000
net of closing costs
New monthly P&I
$4,524
vs old —
New loan amount
$680,000
includes closing costs financed
Resulting LTV
80.0%
at chosen home value
Equity to tap ✓
Your estimate shows a meaningful cash amount based on the home value you entered.
Current equity$420,000
Equity remaining after refi$170,000
Start a cash-out refi →

Estimates only. Final cash amount depends on appraised value, lender LTV limits, your credit and DTI, and program guidelines. CA-specific seasoning and ability-to-repay rules apply.