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Calculadora de refinanciación con retiro de efectivo

Estima el monto máximo de efectivo disponible en una refinanciación hipotecaria.

Introducción

Cash-Out Refinance Calculator — Estimate the maximum cash-out amount available on a mortgage refinance. Enter Home value, Current loan balance, Max LTV (%) to get an instant, accurate result.

Fórmula

Max new loan amount = home value × max LTV% (default 80%, a typical conventional cash-out cap — adjustable since actual limits vary by lender and loan type). Max cash out = max new loan amount − current loan balance (floored at $0).

Paso a paso

  1. Enter the Home value.
  2. Enter the Current loan balance.
  3. Enter the Max LTV (%).
  4. Click Calculate to see your result instantly.

Ejemplo del mundo real

Example: With Home value = 400000, Current loan balance = 200000, Max LTV (%) = 80, the Cash-Out Refinance Calculator gives Max Loan Amount: 320000, Max Cash Out: 120000.

Preguntas Frecuentes

Why is the max LTV capped at 80% by default?
80% is a commonly used ceiling for conventional cash-out refinances, though some loan programs (e.g. VA) allow higher LTVs and others cap lower — check your specific lender and loan type.
Does this account for closing costs?
No, this shows the maximum cash out based on loan-to-value alone; closing costs on the new loan would reduce your actual net proceeds.
What inputs does the Cash-Out Refinance Calculator need?
You'll need to provide: Home value, Current loan balance, Max LTV (%). All fields use sensible defaults, so you can see a working example immediately and then adjust the values to match your own numbers.
How accurate is the Cash-Out Refinance Calculator?
The Cash-Out Refinance Calculator applies the formula exactly as calculated — Max new loan amount = home value × max LTV% (default 80%, a typical conventional cash-out cap — adjustable since actual limits vary by lender and loan type). Max cash out = max new loan amount − current loan balance (floored at $0). — so results are precise for the inputs you provide. Accuracy depends on entering correct, realistic input values.
Is the Cash-Out Refinance Calculator free to use?
Yes, the Cash-Out Refinance Calculator is completely free, requires no signup, and runs instantly in your browser.

Acerca de Calculadora de refinanciación con retiro de efectivo

The Cash-Out Refinance Calculator uses a real, verifiable formula — Max new loan amount = home value × max LTV% (default 80%, a typical conventional cash-out cap — adjustable since actual limits vary by lender and loan type). Max cash out = max new loan amount − current loan balance (floored at $0). — so results are accurate every time, not an approximation.