Your Property Details
Ventura, Ventura County median: $820,000
Ventura, Ventura County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 28.0%
- Avg Property Tax Rate
- 1.08%
- Est. Annual Tax
- $8,856
Your Equity Position
Current Equity
$328,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$656,000
Cash Available
$164,000
Max New Loan
$697,000
Cash Available
$205,000
Max New Loan
$738,000
Cash Available
$246,000
5-Year Projection for Ventura, Ventura County
Based on 28.0% historical appreciation in Ventura, Ventura County, California:
Projected Value (5yr)
$1,049,600
Projected Equity Gain
$229,600
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 Ventura, Ventura 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 Ventura, California?
Ventura is in Ventura 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 Ventura?
With Ventura's median home value of $820,000, a homeowner with 40% equity could access approximately $164,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Ventura, Ventura County?
The average effective property tax rate in Ventura is 1.08%. On a home valued at $820,000, that's approximately $8,856 per year. Property taxes are factored into your total PITI payment.
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