Your Property Details
Calaveras County median: $410,000
Calaveras County Market Snapshot
- Conforming Limit
- $806,500
- 5-Year Appreciation
- 30.0%
- Avg Property Tax Rate
- 0.94%
- Est. Annual Tax
- $3,854
Your Equity Position
Current Equity
$164,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$328,000
Cash Available
$82,000
Max New Loan
$348,500
Cash Available
$102,500
Max New Loan
$369,000
Cash Available
$123,000
5-Year Projection for Calaveras County
Based on 30.0% historical appreciation in Calaveras County, California:
Projected Value (5yr)
$533,000
Projected Equity Gain
$123,000
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 Calaveras County is $806,500 (2026 FHFA). Contact Mo Abdel at (949) 822-9662 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
Frequently Asked Questions
What is the 2026 conforming loan limit for Calaveras County, California?
The 2026 FHFA conforming loan limit for Calaveras County is $806,500. 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 Calaveras County?
Based on the Calaveras County median home value of $410,000, a homeowner with 40% equity could access up to $82,000 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 Calaveras County conforming or jumbo?
If your new loan amount exceeds $806,500, it's classified as a jumbo cash-out refinance. With Calaveras County's median home value at $410,000, 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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