Sonoma County, CA

Sonoma County Cash-Out Refinance Calculator

Calculate your maximum cash-out amount using Sonoma County's 2026 conforming limit of $1,149,825 and median home value of $810,000.

Your Property Details

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Sonoma County median: $810,000

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Sonoma County Market Snapshot

Conforming Limit
$1,149,825
5-Year Appreciation
28.0%
Avg Property Tax Rate
1.02%
Est. Annual Tax
$8,262

Your Equity Position

Current Equity

$324,000

Current LTV

60.0%

Maximum Cash-Out by LTV

80% LTV

Max New Loan

$648,000

Cash Available

$162,000

85% LTV

Max New Loan

$688,500

Cash Available

$202,500

90% LTV

Max New Loan

$729,000

Cash Available

$243,000

5-Year Projection for Sonoma County

Based on 28.0% historical appreciation in Sonoma County, California:

Projected Value (5yr)

$1,036,800

Projected Equity Gain

$226,800

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 Sonoma 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 Sonoma County

Frequently Asked Questions

What is the 2026 conforming loan limit for Sonoma County, California?

The 2026 FHFA conforming loan limit for Sonoma 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 Sonoma County?

Based on the Sonoma County median home value of $810,000, a homeowner with 40% equity could access up to $162,000 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 Sonoma County conforming or jumbo?

If your new loan amount exceeds $1,149,825, it's classified as a jumbo cash-out refinance. With Sonoma County's median home value at $810,000, 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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