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Cash-Out Refinance
Estimate how much cash you can pull out from a refinance.
Parcel Platform
Mar 4, 2026
Cash-Out Refinance
Value $450,000 • 75% LTV
Estimated Cash Out
$71,500
New Loan Amount
$337,500
Less: Payoff + Costs
$266,000
Cash-out is estimated as (new loan − payoff − refi costs). Lenders may limit LTV and require reserves.
How this calculator works
A cash-out refinance replaces your current loan with a new, larger loan so you can pull equity out. This calculator estimates new loan amount and net cash out after costs.
What it includes
- New loan estimate (target LTV)
- Gross cash out
- Net cash out after costs
How to use it
- Enter current property value and your current loan payoff balance.
- Choose a target LTV based on your refinance program.
- Enter estimated refi costs to see net cash out.
- Use net cash out for planning—not as a guarantee (program limits vary).
FAQ
Can I cash out more than 80% LTV?
Sometimes, depending on product, property type, and credit. Use your lender’s guidelines for the exact limits.
Does this include the new mortgage payment?
This tool focuses on proceeds. Pair it with a mortgage calculator to estimate the new payment and its impact on DSCR/cash flow.
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