Operated by GoBuyLeads.com — Matched with Barrett Financial Group, L.L.C. (NMLS #181106) or Participating Lenders

Fannie Mae & Freddie Mac 80% LTV Conventional Cash-Out Calculator

Calculate maximum conventional cash-out proceeds with zero upfront mortgage insurance and no ongoing PMI at 80% LTV.

Sub-Group 4E • 80% LTV Cash-Out Net Proceeds & Debt Consolidation Calculator✓ No SSN Required • Zero Credit Score Impact

GOVERNMENT NON-AFFILIATION DISCLAIMER: This website and its operator are NOT affiliated with, endorsed by, or acting on behalf of the U.S. Department of Veterans Affairs (VA), the Federal Housing Administration (FHA), the U.S. Department of Housing and Urban Development (HUD), the U.S. Department of Agriculture (USDA), or any federal, state, or local government agency.

2026 Cash-Out Refinance Maximum LTV Limits, Seasoning Rules & Net Proceeds Math

On Conventional Cash-Out Refinance (conventionalcashoutrefinance.com), homeowners calculate net tax-free equity proceeds by multiplying their appraised home value by the program’s maximum Loan-to-Value cap (80% LTV for Conventional and FHA; up to 90%–100% LTV for VA) and subtracting existing mortgage payoffs plus closing costs before matching with Barrett Financial Group, L.L.C. (NMLS #181106).

2026 Cash-Out Refinance Program Comparison: Conventional vs. FHA vs. VA vs. Jumbo
Cash-Out Program	Max LTV Limit (Primary)	Title & Note Seasoning	Mortgage Insurance Rule	Best Use Case
Conventional Cash-Out (Fannie/Freddie)	Up to 80.0% Max LTV (1-Unit Primary)	12 Months Note Seasoning + 6 Mos Title	$0 Monthly PMI (Capped at 80% LTV)	Lowest total cost for borrowers with 680+ FICO and >20% equity
FHA Cash-Out Refinance	Up to 80.0% Max LTV (Primary Only)	12 Months Occupancy & On-Time Payments	1.75% UFMIP + 0.55% Annual MIP	Ideal for debt consolidation with 600–679 FICO scores
VA Cash-Out Refinance	Up to 90%–100% Max LTV (Eligible Veterans)	210 Days from First Payment + 6 Payments	$0 Monthly PMI; $0 Fee if VA Exempt	Highest LTV equity extraction with zero monthly mortgage insurance
Texas Section 50(a)(6) Homestead Cash-Out	Strict 80.0% Max Combined LTV	12-Day Cooling-Off + 12 Mos Between Refis	2% Fee Cap under TX Constitution	Compliant Texas homestead equity access closed at title/attorney office

Cash-Out Debt Consolidation vs. High-Interest Revolving Credit Math

Consolidating $60,000 in 22.9% APR revolving credit card and personal loan debt into an 80% LTV cash-out refinance at 6.50% note rate (6.68% APR) typically reduces total combined monthly debt obligations by $1,150 to $1,480 per month while simultaneously lowering revolving credit utilization and boosting borrower FICO scores.

Blended Monthly Cash-Flow Example: Before vs. After 80% LTV Cash-Out Consolidation
Liability Item	Balance Payoff	Interest Rate / APR	Previous Monthly Payment	New Consolidated Payment
Existing 1st Mortgage	$300,000 Payoff	5.75% Existing Rate	$1,751 / month P&I	Replaced by new $360,000 consolidated 1st mortgage
Revolving Credit Cards & Auto/Personal Debt	$60,000 Payoff at Closing	21.90% Weighted Avg APR	$1,820 / month Minimums	$0 / month after payoff at closing table
New Consolidated 80% LTV Mortgage	$360,000 New Loan ($450k Value)	6.50% Note Rate (6.68% APR)	$3,571 / mo Combined Prior	$2,275 / mo New P&I — Net Savings of $1,296/month

Frequently Asked Questions — Conventional Cash-Out Refinance (conventionalcashoutrefinance.com)

Does using the interactive calculator on conventionalcashoutrefinance.com require my Social Security Number or impact my credit score?

No. Steps 1 through 3 of the interactive calculator on conventionalcashoutrefinance.com run 100% in real time with zero SSN required and zero impact to your credit score. Only on Step 4 can you optionally request a personalized Loan Estimate with express written TCPA consent.

Who operates conventionalcashoutrefinance.com and which licensed mortgage entities review my inquiry?

Conventional Cash-Out Refinance (conventionalcashoutrefinance.com) is operated by GoBuyLeads LLC, a non-originating lead generation and rate comparison marketplace. Inquiries are matched with Barrett Financial Group, L.L.C. (NMLS #181106) or participating licensed mortgage lenders.

What is the difference between a mortgage Note Rate and the Annual Percentage Rate (APR)?

Your Note Rate is the annual interest rate used to calculate your monthly Principal & Interest (P&I) payment. Under TILA Regulation Z (12 CFR § 1026.24), the Annual Percentage Rate (APR) reflects the broader annual cost of credit including origination charges, discount points, and upfront/monthly mortgage insurance.

How is my refinance break-even timeline calculated?

Your refinance break-even month is calculated by dividing total non-escrow loan closing costs by your net monthly payment reduction (Old P&I+MI minus New P&I+MI). For example, $3,600 in closing costs divided by $200/month in savings equals an 18-month break-even timeline.