Your Property Details
Placer County median: $680,000
Placer County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 36.0%
- Avg Property Tax Rate
- 1.00%
- Est. Annual Tax
- $6,800
Your Equity Position
Current Equity
$272,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$544,000
Cash Available
$136,000
Max New Loan
$578,000
Cash Available
$170,000
Max New Loan
$612,000
Cash Available
$204,000
5-Year Projection for Placer County
Based on 36.0% historical appreciation in Placer County, California:
Projected Value (5yr)
$924,800
Projected Equity Gain
$244,800
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 Placer 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 Placer County
Frequently Asked Questions
What is the 2026 conforming loan limit for Placer County, California?
The 2026 FHFA conforming loan limit for Placer 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 Placer County?
Based on the Placer County median home value of $680,000, a homeowner with 40% equity could access up to $136,000 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 Placer County conforming or jumbo?
If your new loan amount exceeds $1,149,825, it's classified as a jumbo cash-out refinance. With Placer County's median home value at $680,000, 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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