Alameda County, CA

Alameda County Cash-Out Refinance Calculator

Calculate your maximum cash-out amount using Alameda County's 2026 conforming limit of $1,149,825 and median home value of $1,050,000.

Your Property Details

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Alameda County median: $1,050,000

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Alameda County Market Snapshot

Conforming Limit
$1,149,825
5-Year Appreciation
28.0%
Avg Property Tax Rate
1.12%
Est. Annual Tax
$11,760

Your Equity Position

Current Equity

$420,000

Current LTV

60.0%

Maximum Cash-Out by LTV

80% LTV

Max New Loan

$840,000

Cash Available

$210,000

85% LTV

Max New Loan

$892,500

Cash Available

$262,500

90% LTV

Max New Loan

$945,000

Cash Available

$315,000

5-Year Projection for Alameda County

Based on 28.0% historical appreciation in Alameda County, California:

Projected Value (5yr)

$1,344,000

Projected Equity Gain

$294,000

Calculations are estimates for educational purposes only. Actual loan amounts depend on credit score, DTI ratio, property appraisal, and lender guidelines. Conforming loan limit for Alameda County is $1,149,825 (2026 FHFA). Contact Mo Abdel at (949) 822-9662 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.

City Calculators in Alameda County

Frequently Asked Questions

What is the 2026 conforming loan limit for Alameda County, California?

The 2026 FHFA conforming loan limit for Alameda County is $1,149,825. Loans above this threshold are classified as jumbo loans and typically require higher credit scores and larger reserves.

How much cash can I take out of my home in Alameda County?

Based on the Alameda County median home value of $1,050,000, a homeowner with 40% equity could access up to $210,000 through a cash-out refinance at 80% LTV. Your actual amount depends on your home's appraised value and current mortgage balance.

Is a cash-out refinance in Alameda County conforming or jumbo?

If your new loan amount exceeds $1,149,825, it's classified as a jumbo cash-out refinance. With Alameda County's median home value at $1,050,000, many borrowers qualify for conforming rates. Mo Abdel has access to 200+ wholesale lenders for both conforming and jumbo cash-out products.

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