Your Property Details
Santa Clara County median: $1,650,000
Santa Clara County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 30.0%
- Avg Property Tax Rate
- 1.10%
- Est. Annual Tax
- $18,150
Your Equity Position
Current Equity
$660,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$1,320,000
Cash Available
$330,000
Max New Loan
$1,402,500
Cash Available
$412,500
Max New Loan
$1,485,000
Cash Available
$495,000
5-Year Projection for Santa Clara County
Based on 30.0% historical appreciation in Santa Clara County, California:
Projected Value (5yr)
$2,145,000
Projected Equity Gain
$495,000
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 Santa Clara 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 Santa Clara County
Cupertino
Median: $2,750,000
Los Gatos
Median: $2,600,000
Milpitas
Median: $1,450,000
Mountain View
Median: $2,150,000
Palo Alto
Median: $3,450,000
San Jose
Median: $1,350,000
Santa Clara
Median: $1,650,000
Sunnyvale
Median: $1,950,000
Campbell
Median: $1,750,000
Saratoga
Median: $3,850,000
Morgan Hill
Median: $1,200,000
Gilroy
Median: $950,000
Frequently Asked Questions
What is the 2026 conforming loan limit for Santa Clara County, California?
The 2026 FHFA conforming loan limit for Santa Clara 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 Santa Clara County?
Based on the Santa Clara County median home value of $1,650,000, a homeowner with 40% equity could access up to $330,000 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 Santa Clara County conforming or jumbo?
If your new loan amount exceeds $1,149,825, it's classified as a jumbo cash-out refinance. With Santa Clara County's median home value at $1,650,000, many borrowers will need jumbo financing. Mo Abdel has access to 200+ wholesale lenders for both conforming and jumbo cash-out products.
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