Buying & selling

Cash-out Refinance Calculator

Estimate available cash after a new loan and refinance costs. Replace every default with figures that apply to your property and location.

What this calculator estimates

Estimate available cash after a new loan and refinance costs. It combines the inputs below to produce Estimated cash available. Every assumption remains editable so the estimate can reflect the property, financing and location being evaluated.

Worked example

Using the displayed sample assumptions, the calculator produces $203,000. This is an illustration, not a market quote. Change one input at a time to understand what drives the result.

Inputs and assumptions

• Property value — sample input: 800000 currency units
• Maximum loan-to-value — sample input: 80 %
• Current mortgage and liens — sample input: 430000 currency units
• Refinancing costs — sample input: 7000 currency units

How to interpret the result

Include immediate work and transaction costs in the decision. Compare a conservative case with an expected case and keep a record of the assumptions used.

Common mistake to avoid

Do not confuse purchase price with total cash required. Local definitions, taxes, lending practices and measurement requirements can materially change the result.

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Reviewed 2026-09-08.