Your Property Details
Temecula, Riverside County median: $650,000
Temecula, Riverside County Market Snapshot
- Conforming Limit
- $806,500
- 5-Year Appreciation
- 36.0%
- Avg Property Tax Rate
- 1.10%
- Est. Annual Tax
- $7,150
Your Equity Position
Current Equity
$260,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$520,000
Cash Available
$130,000
Max New Loan
$552,500
Cash Available
$162,500
Max New Loan
$585,000
Cash Available
$195,000
5-Year Projection for Temecula, Riverside County
Based on 36.0% historical appreciation in Temecula, Riverside County, California:
Projected Value (5yr)
$884,000
Projected Equity Gain
$234,000
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 Temecula, 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 Temecula, California?
Temecula 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 Temecula?
With Temecula's median home value of $650,000, a homeowner with 40% equity could access approximately $130,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Temecula, Riverside County?
The average effective property tax rate in Temecula is 1.10%. On a home valued at $650,000, that's approximately $7,150 per year. Property taxes are factored into your total PITI payment.
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