Your Property Details
El Dorado Hills, El Dorado County median: $780,000
El Dorado Hills, El Dorado County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 35.0%
- Avg Property Tax Rate
- 1.04%
- Est. Annual Tax
- $8,112
Your Equity Position
Current Equity
$312,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$624,000
Cash Available
$156,000
Max New Loan
$663,000
Cash Available
$195,000
Max New Loan
$702,000
Cash Available
$234,000
5-Year Projection for El Dorado Hills, El Dorado County
Based on 35.0% historical appreciation in El Dorado Hills, El Dorado County, California:
Projected Value (5yr)
$1,053,000
Projected Equity Gain
$273,000
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 El Dorado Hills, El Dorado County is $1,149,825 (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 El Dorado Hills, California?
El Dorado Hills is in El Dorado County, which has a 2026 FHFA conforming loan limit of $1,149,825. This limit applies to all cities within the county. Loans exceeding this amount require jumbo financing.
How much equity can I access through a cash-out refinance in El Dorado Hills?
With El Dorado Hills's median home value of $780,000, a homeowner with 40% equity could access approximately $156,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in El Dorado Hills, El Dorado County?
The average effective property tax rate in El Dorado Hills is 1.04%. On a home valued at $780,000, that's approximately $8,112 per year. Property taxes are factored into your total PITI payment.
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