Calculator

Cash-Out Refinance Decision Calculator

Estimate payment impact, resulting LTV, and rough 5-year economics before moving forward.

Estimated Home Value ($)

Current Mortgage Balance ($)

Current Rate (%)

Remaining Term (years)

Desired Cash-Out Amount ($)

Estimated Closing Costs ($)

Estimated New Rate (%)

New Loan Term (years)

Expected Monthly Benefit From Cash-Out Use ($)

Roll closing costs into new loan

Back to Tools Read Cash-Out vs HELOC

Payment impact: --

New LTV: --

Net cash received at close: --

5-year payment difference: --

Decision signal: --

Interpretation: this is a planning model. Final decision should include exact lender estimates, tax implications, and alternatives (HELOC, personal loan, staged renovation financing).