Lake County, CA

Lake County Cash-Out Refinance Calculator

Calculate your maximum cash-out amount using Lake County's 2026 conforming limit of $806,500 and median home value of $295,000.

Your Property Details

$

Lake County median: $295,000

$

Lake County Market Snapshot

Conforming Limit
$806,500
5-Year Appreciation
28.0%
Avg Property Tax Rate
0.92%
Est. Annual Tax
$2,714

Your Equity Position

Current Equity

$118,000

Current LTV

60.0%

Maximum Cash-Out by LTV

80% LTV

Max New Loan

$236,000

Cash Available

$59,000

85% LTV

Max New Loan

$250,750

Cash Available

$73,750

90% LTV

Max New Loan

$265,500

Cash Available

$88,500

5-Year Projection for Lake County

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

Projected Value (5yr)

$377,600

Projected Equity Gain

$82,600

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 Lake 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 Lake County, California?

The 2026 FHFA conforming loan limit for Lake 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 Lake County?

Based on the Lake County median home value of $295,000, a homeowner with 40% equity could access up to $59,000 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 Lake County conforming or jumbo?

If your new loan amount exceeds $806,500, it's classified as a jumbo cash-out refinance. With Lake County's median home value at $295,000, many borrowers qualify for conforming rates. Mo Abdel has access to 200+ wholesale lenders for both conforming and jumbo cash-out products.

Ready to Take the Next Step?

Get a personalized quote from Mo Abdel — access 200+ wholesale lenders with one application.

Related Tools & Resources