Riverside, CA

Riverside Cash-Out Refinance Calculator

Calculate your maximum cash-out amount in Riverside, Riverside County. Median home value: $575,000 | 2026 conforming limit: $806,500.

Your Property Details

$

Riverside, Riverside County median: $575,000

$

Riverside, Riverside County Market Snapshot

Conforming Limit
$806,500
5-Year Appreciation
36.0%
Avg Property Tax Rate
1.14%
Est. Annual Tax
$6,555

Your Equity Position

Current Equity

$230,000

Current LTV

60.0%

Maximum Cash-Out by LTV

80% LTV

Max New Loan

$460,000

Cash Available

$115,000

85% LTV

Max New Loan

$488,750

Cash Available

$143,750

90% LTV

Max New Loan

$517,500

Cash Available

$172,500

5-Year Projection for Riverside, Riverside County

Based on 36.0% historical appreciation in Riverside, Riverside County, California:

Projected Value (5yr)

$782,000

Projected Equity Gain

$207,000

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 Riverside, Riverside 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 Riverside, California?

Riverside is in Riverside County, which has a 2026 FHFA conforming loan limit of $806,500. 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 Riverside?

With Riverside's median home value of $575,000, a homeowner with 40% equity could access approximately $115,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.

What property tax rate applies in Riverside, Riverside County?

The average effective property tax rate in Riverside is 1.14%. On a home valued at $575,000, that's approximately $6,555 per year. Property taxes are factored into your total PITI payment.

Ready to Take the Next Step?

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

Related Tools & Resources