Your Property Details
Madera County median: $365,000
Madera County Market Snapshot
- Conforming Limit
- $806,500
- 5-Year Appreciation
- 33.0%
- Avg Property Tax Rate
- 0.98%
- Est. Annual Tax
- $3,577
Your Equity Position
Current Equity
$146,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$292,000
Cash Available
$73,000
Max New Loan
$310,250
Cash Available
$91,250
Max New Loan
$328,500
Cash Available
$109,500
5-Year Projection for Madera County
Based on 33.0% historical appreciation in Madera County, California:
Projected Value (5yr)
$485,450
Projected Equity Gain
$120,450
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 Madera 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 Madera County, California?
The 2026 FHFA conforming loan limit for Madera 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 Madera County?
Based on the Madera County median home value of $365,000, a homeowner with 40% equity could access up to $73,000 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 Madera County conforming or jumbo?
If your new loan amount exceeds $806,500, it's classified as a jumbo cash-out refinance. With Madera County's median home value at $365,000, 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.