Your Property Details
Folsom, Sacramento County median: $725,000
Folsom, Sacramento County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 35.0%
- Avg Property Tax Rate
- 1.08%
- Est. Annual Tax
- $7,830
Your Equity Position
Current Equity
$290,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$580,000
Cash Available
$145,000
Max New Loan
$616,250
Cash Available
$181,250
Max New Loan
$652,500
Cash Available
$217,500
5-Year Projection for Folsom, Sacramento County
Based on 35.0% historical appreciation in Folsom, Sacramento County, California:
Projected Value (5yr)
$978,750
Projected Equity Gain
$253,750
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 Folsom, Sacramento County is $1,149,825 (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 Folsom, California?
Folsom is in Sacramento County, which has a 2026 FHFA conforming loan limit of $1,149,825. 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 Folsom?
With Folsom's median home value of $725,000, a homeowner with 40% equity could access approximately $145,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Folsom, Sacramento County?
The average effective property tax rate in Folsom is 1.08%. On a home valued at $725,000, that's approximately $7,830 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.