 |
| Home | Home Equity Rates | HELOC Payoff | HELOC Extra Payment | Home Equity Loan | Mortgage | Refinance | Recasting |
Cash Out Refinance Calculator
Cash Out Refinance Calculator to calculate the new monthly payment for your cash out refinance loan. Homeowners seeking to tap into their home equity will find this cash-out refinance calculator useful.
Mortgage Calculator Results |
|
| Home Value: | $500,000.00 |
| Mortgage Balance: | $200,000.00 |
| New Mortgage Amount: | $200,000.00 |
| Monthly Principal & Interest: | $1,104.41 |
| Monthly Extra Payment: | $0.00 |
| Monthly Property Tax: | $258.33 |
| Monthly Home Insurance: | $80.00 |
| Monthly PMI: | PMI not required |
| Monthly HOA Fees: | $0.00 |
Total Monthly Payment: |
$1,442.74 |
| Total # Of Payments: | 360 |
| Start Date: | Dec, 2025 |
| Payoff Date: | Nov, 2055 |
| Down Payment: | $300,000.00 |
| Principal: | $200,000.00 |
| Total Extra Payment: | $0.00 |
| Total Interest Paid: | $197,586.67 |
| Total Tax, Insurance, PMI and Fees: | $121,800.00 |
Total of all Payments: |
$819,386.67 |
Mortgage Amortization Schedule |
||||||
| Payment Date | Payment # | Interest | Principal | Tax, Insurance, PMI & Fees | Total Payment | Balance |
|---|---|---|---|---|---|---|
| Dec, 2025 | 1 | $875.00 | $229.41 | $338.33 | $1,442.74 | $199,770.59 |
| Jan, 2026 | 2 | $874.00 | $230.41 | $338.33 | $1,442.74 | $199,540.18 |
| Feb, 2026 | 3 | $872.99 | $231.42 | $338.33 | $1,442.74 | $199,308.76 |
| Mar, 2026 | 4 | $871.98 | $232.43 | $338.33 | $1,442.74 | $199,076.33 |
| Apr, 2026 | 5 | $870.96 | $233.45 | $338.33 | $1,442.74 | $198,842.88 |
| May, 2026 | 6 | $869.94 | $234.47 | $338.33 | $1,442.74 | $198,608.41 |
| Jun, 2026 | 7 | $868.91 | $235.50 | $338.33 | $1,442.74 | $198,372.92 |
| Jul, 2026 | 8 | $867.88 | $236.53 | $338.33 | $1,442.74 | $198,136.39 |
| Aug, 2026 | 9 | $866.85 | $237.56 | $338.33 | $1,442.74 | $197,898.83 |
| Sep, 2026 | 10 | $865.81 | $238.60 | $338.33 | $1,442.74 | $197,660.23 |
| Oct, 2026 | 11 | $864.76 | $239.64 | $338.33 | $1,442.74 | $197,420.59 |
| Nov, 2026 | 12 | $863.72 | $240.69 | $338.33 | $1,442.74 | $197,179.89 |
| Dec, 2026 | 13 | $862.66 | $241.75 | $338.33 | $1,442.74 | $196,938.15 |
| Jan, 2027 | 14 | $861.60 | $242.80 | $338.33 | $1,442.74 | $196,695.35 |
| Feb, 2027 | 15 | $860.54 | $243.87 | $338.33 | $1,442.74 | $196,451.48 |
| Mar, 2027 | 16 | $859.48 | $244.93 | $338.33 | $1,442.74 | $196,206.55 |
| Apr, 2027 | 17 | $858.40 | $246.00 | $338.33 | $1,442.74 | $195,960.54 |
| May, 2027 | 18 | $857.33 | $247.08 | $338.33 | $1,442.74 | $195,713.46 |
| Jun, 2027 | 19 | $856.25 | $248.16 | $338.33 | $1,442.74 | $195,465.30 |
| Jul, 2027 | 20 | $855.16 | $249.25 | $338.33 | $1,442.74 | $195,216.06 |
| Aug, 2027 | 21 | $854.07 | $250.34 | $338.33 | $1,442.74 | $194,965.72 |
| Sep, 2027 | 22 | $852.98 | $251.43 | $338.33 | $1,442.74 | $194,714.29 |
| Oct, 2027 | 23 | $851.88 | $252.53 | $338.33 | $1,442.74 | $194,461.75 |
| Nov, 2027 | 24 | $850.77 | $253.64 | $338.33 | $1,442.74 | $194,208.12 |
| Dec, 2027 | 25 | $849.66 | $254.75 | $338.33 | $1,442.74 | $193,953.37 |
| Jan, 2028 | 26 | $848.55 | $255.86 | $338.33 | $1,442.74 | $193,697.51 |
| Feb, 2028 | 27 | $847.43 | $256.98 | $338.33 | $1,442.74 | $193,440.53 |
| Mar, 2028 | 28 | $846.30 | $258.11 | $338.33 | $1,442.74 | $193,182.42 |
| Apr, 2028 | 29 | $845.17 | $259.23 | $338.33 | $1,442.74 | $192,923.19 |
| May, 2028 | 30 | $844.04 | $260.37 | $338.33 | $1,442.74 | $192,662.82 |
| Jun, 2028 | 31 | $842.90 | $261.51 | $338.33 | $1,442.74 | $192,401.31 |
| Jul, 2028 | 32 | $841.76 | $262.65 | $338.33 | $1,442.74 | $192,138.66 |
| Aug, 2028 | 33 | $840.61 | $263.80 | $338.33 | $1,442.74 | $191,874.86 |
| Sep, 2028 | 34 | $839.45 | $264.95 | $338.33 | $1,442.74 | $191,609.91 |
| Oct, 2028 | 35 | $838.29 | $266.11 | $338.33 | $1,442.74 | $191,343.79 |
| Nov, 2028 | 36 | $837.13 | $267.28 | $338.33 | $1,442.74 | $191,076.51 |
| Dec, 2028 | 37 | $835.96 | $268.45 | $338.33 | $1,442.74 | $190,808.07 |
| Jan, 2029 | 38 | $834.79 | $269.62 | $338.33 | $1,442.74 | $190,538.44 |
| Feb, 2029 | 39 | $833.61 | $270.80 | $338.33 | $1,442.74 | $190,267.64 |
| Mar, 2029 | 40 | $832.42 | $271.99 | $338.33 | $1,442.74 | $189,995.66 |
| Apr, 2029 | 41 | $831.23 | $273.18 | $338.33 | $1,442.74 | $189,722.48 |
| May, 2029 | 42 | $830.04 | $274.37 | $338.33 | $1,442.74 | $189,448.11 |
| Jun, 2029 | 43 | $828.84 | $275.57 | $338.33 | $1,442.74 | $189,172.54 |
| Jul, 2029 | 44 | $827.63 | $276.78 | $338.33 | $1,442.74 | $188,895.76 |
| Aug, 2029 | 45 | $826.42 | $277.99 | $338.33 | $1,442.74 | $188,617.77 |
| Sep, 2029 | 46 | $825.20 | $279.20 | $338.33 | $1,442.74 | $188,338.56 |
| Oct, 2029 | 47 | $823.98 | $280.43 | $338.33 | $1,442.74 | $188,058.14 |
| Nov, 2029 | 48 | $822.75 | $281.65 | $338.33 | $1,442.74 | $187,776.49 |
| Dec, 2029 | 49 | $821.52 | $282.89 | $338.33 | $1,442.74 | $187,493.60 |
| Jan, 2030 | 50 | $820.28 | $284.12 | $338.33 | $1,442.74 | $187,209.48 |
| Feb, 2030 | 51 | $819.04 | $285.37 | $338.33 | $1,442.74 | $186,924.11 |
| Mar, 2030 | 52 | $817.79 | $286.61 | $338.33 | $1,442.74 | $186,637.50 |
| Apr, 2030 | 53 | $816.54 | $287.87 | $338.33 | $1,442.74 | $186,349.63 |
| May, 2030 | 54 | $815.28 | $289.13 | $338.33 | $1,442.74 | $186,060.50 |
| Jun, 2030 | 55 | $814.01 | $290.39 | $338.33 | $1,442.74 | $185,770.11 |
| Jul, 2030 | 56 | $812.74 | $291.66 | $338.33 | $1,442.74 | $185,478.45 |
| Aug, 2030 | 57 | $811.47 | $292.94 | $338.33 | $1,442.74 | $185,185.51 |
| Sep, 2030 | 58 | $810.19 | $294.22 | $338.33 | $1,442.74 | $184,891.29 |
| Oct, 2030 | 59 | $808.90 | $295.51 | $338.33 | $1,442.74 | $184,595.78 |
| Nov, 2030 | 60 | $807.61 | $296.80 | $338.33 | $1,442.74 | $184,298.98 |
| Dec, 2030 | 61 | $806.31 | $298.10 | $338.33 | $1,442.74 | $184,000.88 |
| Jan, 2031 | 62 | $805.00 | $299.40 | $338.33 | $1,442.74 | $183,701.47 |
| Feb, 2031 | 63 | $803.69 | $300.71 | $338.33 | $1,442.74 | $183,400.76 |
| Mar, 2031 | 64 | $802.38 | $302.03 | $338.33 | $1,442.74 | $183,098.73 |
| Apr, 2031 | 65 | $801.06 | $303.35 | $338.33 | $1,442.74 | $182,795.38 |
| May, 2031 | 66 | $799.73 | $304.68 | $338.33 | $1,442.74 | $182,490.70 |
| Jun, 2031 | 67 | $798.40 | $306.01 | $338.33 | $1,442.74 | $182,184.69 |
| Jul, 2031 | 68 | $797.06 | $307.35 | $338.33 | $1,442.74 | $181,877.34 |
| Aug, 2031 | 69 | $795.71 | $308.69 | $338.33 | $1,442.74 | $181,568.65 |
| Sep, 2031 | 70 | $794.36 | $310.04 | $338.33 | $1,442.74 | $181,258.60 |
| Oct, 2031 | 71 | $793.01 | $311.40 | $338.33 | $1,442.74 | $180,947.20 |
| Nov, 2031 | 72 | $791.64 | $312.76 | $338.33 | $1,442.74 | $180,634.44 |
| Dec, 2031 | 73 | $790.28 | $314.13 | $338.33 | $1,442.74 | $180,320.31 |
| Jan, 2032 | 74 | $788.90 | $315.51 | $338.33 | $1,442.74 | $180,004.80 |
| Feb, 2032 | 75 | $787.52 | $316.89 | $338.33 | $1,442.74 | $179,687.92 |
| Mar, 2032 | 76 | $786.13 | $318.27 | $338.33 | $1,442.74 | $179,369.64 |
| Apr, 2032 | 77 | $784.74 | $319.67 | $338.33 | $1,442.74 | $179,049.98 |
| May, 2032 | 78 | $783.34 | $321.06 | $338.33 | $1,442.74 | $178,728.91 |
| Jun, 2032 | 79 | $781.94 | $322.47 | $338.33 | $1,442.74 | $178,406.45 |
| Jul, 2032 | 80 | $780.53 | $323.88 | $338.33 | $1,442.74 | $178,082.57 |
| Aug, 2032 | 81 | $779.11 | $325.30 | $338.33 | $1,442.74 | $177,757.27 |
| Sep, 2032 | 82 | $777.69 | $326.72 | $338.33 | $1,442.74 | $177,430.55 |
| Oct, 2032 | 83 | $776.26 | $328.15 | $338.33 | $1,442.74 | $177,102.40 |
| Nov, 2032 | 84 | $774.82 | $329.58 | $338.33 | $1,442.74 | $176,772.82 |
| Dec, 2032 | 85 | $773.38 | $331.03 | $338.33 | $1,442.74 | $176,441.79 |
| Jan, 2033 | 86 | $771.93 | $332.47 | $338.33 | $1,442.74 | $176,109.32 |
| Feb, 2033 | 87 | $770.48 | $333.93 | $338.33 | $1,442.74 | $175,775.39 |
| Mar, 2033 | 88 | $769.02 | $335.39 | $338.33 | $1,442.74 | $175,440.00 |
| Apr, 2033 | 89 | $767.55 | $336.86 | $338.33 | $1,442.74 | $175,103.14 |
| May, 2033 | 90 | $766.08 | $338.33 | $338.33 | $1,442.74 | $174,764.81 |
| Jun, 2033 | 91 | $764.60 | $339.81 | $338.33 | $1,442.74 | $174,425.00 |
| Jul, 2033 | 92 | $763.11 | $341.30 | $338.33 | $1,442.74 | $174,083.70 |
| Aug, 2033 | 93 | $761.62 | $342.79 | $338.33 | $1,442.74 | $173,740.91 |
| Sep, 2033 | 94 | $760.12 | $344.29 | $338.33 | $1,442.74 | $173,396.62 |
| Oct, 2033 | 95 | $758.61 | $345.80 | $338.33 | $1,442.74 | $173,050.82 |
| Nov, 2033 | 96 | $757.10 | $347.31 | $338.33 | $1,442.74 | $172,703.51 |
| Dec, 2033 | 97 | $755.58 | $348.83 | $338.33 | $1,442.74 | $172,354.68 |
| Jan, 2034 | 98 | $754.05 | $350.36 | $338.33 | $1,442.74 | $172,004.32 |
| Feb, 2034 | 99 | $752.52 | $351.89 | $338.33 | $1,442.74 | $171,652.44 |
| Mar, 2034 | 100 | $750.98 | $353.43 | $338.33 | $1,442.74 | $171,299.01 |
| Apr, 2034 | 101 | $749.43 | $354.97 | $338.33 | $1,442.74 | $170,944.03 |
| May, 2034 | 102 | $747.88 | $356.53 | $338.33 | $1,442.74 | $170,587.51 |
| Jun, 2034 | 103 | $746.32 | $358.09 | $338.33 | $1,442.74 | $170,229.42 |
| Jul, 2034 | 104 | $744.75 | $359.65 | $338.33 | $1,442.74 | $169,869.77 |
| Aug, 2034 | 105 | $743.18 | $361.23 | $338.33 | $1,442.74 | $169,508.54 |
| Sep, 2034 | 106 | $741.60 | $362.81 | $338.33 | $1,442.74 | $169,145.73 |
| Oct, 2034 | 107 | $740.01 | $364.39 | $338.33 | $1,442.74 | $168,781.34 |
| Nov, 2034 | 108 | $738.42 | $365.99 | $338.33 | $1,442.74 | $168,415.35 |
| Dec, 2034 | 109 | $736.82 | $367.59 | $338.33 | $1,442.74 | $168,047.76 |
| Jan, 2035 | 110 | $735.21 | $369.20 | $338.33 | $1,442.74 | $167,678.56 |
| Feb, 2035 | 111 | $733.59 | $370.81 | $338.33 | $1,442.74 | $167,307.74 |
| Mar, 2035 | 112 | $731.97 | $372.44 | $338.33 | $1,442.74 | $166,935.31 |
| Apr, 2035 | 113 | $730.34 | $374.07 | $338.33 | $1,442.74 | $166,561.24 |
| May, 2035 | 114 | $728.71 | $375.70 | $338.33 | $1,442.74 | $166,185.54 |
| Jun, 2035 | 115 | $727.06 | $377.35 | $338.33 | $1,442.74 | $165,808.20 |
| Jul, 2035 | 116 | $725.41 | $379.00 | $338.33 | $1,442.74 | $165,429.20 |
| Aug, 2035 | 117 | $723.75 | $380.65 | $338.33 | $1,442.74 | $165,048.54 |
| Sep, 2035 | 118 | $722.09 | $382.32 | $338.33 | $1,442.74 | $164,666.22 |
| Oct, 2035 | 119 | $720.41 | $383.99 | $338.33 | $1,442.74 | $164,282.23 |
| Nov, 2035 | 120 | $718.73 | $385.67 | $338.33 | $1,442.74 | $163,896.56 |
| Dec, 2035 | 121 | $717.05 | $387.36 | $338.33 | $1,442.74 | $163,509.20 |
| Jan, 2036 | 122 | $715.35 | $389.05 | $338.33 | $1,442.74 | $163,120.14 |
| Feb, 2036 | 123 | $713.65 | $390.76 | $338.33 | $1,442.74 | $162,729.39 |
| Mar, 2036 | 124 | $711.94 | $392.47 | $338.33 | $1,442.74 | $162,336.92 |
| Apr, 2036 | 125 | $710.22 | $394.18 | $338.33 | $1,442.74 | $161,942.74 |
| May, 2036 | 126 | $708.50 | $395.91 | $338.33 | $1,442.74 | $161,546.83 |
| Jun, 2036 | 127 | $706.77 | $397.64 | $338.33 | $1,442.74 | $161,149.19 |
| Jul, 2036 | 128 | $705.03 | $399.38 | $338.33 | $1,442.74 | $160,749.81 |
| Aug, 2036 | 129 | $703.28 | $401.13 | $338.33 | $1,442.74 | $160,348.68 |
| Sep, 2036 | 130 | $701.53 | $402.88 | $338.33 | $1,442.74 | $159,945.80 |
| Oct, 2036 | 131 | $699.76 | $404.64 | $338.33 | $1,442.74 | $159,541.16 |
| Nov, 2036 | 132 | $697.99 | $406.41 | $338.33 | $1,442.74 | $159,134.74 |
| Dec, 2036 | 133 | $696.21 | $408.19 | $338.33 | $1,442.74 | $158,726.55 |
| Jan, 2037 | 134 | $694.43 | $409.98 | $338.33 | $1,442.74 | $158,316.57 |
| Feb, 2037 | 135 | $692.63 | $411.77 | $338.33 | $1,442.74 | $157,904.80 |
| Mar, 2037 | 136 | $690.83 | $413.57 | $338.33 | $1,442.74 | $157,491.22 |
| Apr, 2037 | 137 | $689.02 | $415.38 | $338.33 | $1,442.74 | $157,075.84 |
| May, 2037 | 138 | $687.21 | $417.20 | $338.33 | $1,442.74 | $156,658.64 |
| Jun, 2037 | 139 | $685.38 | $419.03 | $338.33 | $1,442.74 | $156,239.61 |
| Jul, 2037 | 140 | $683.55 | $420.86 | $338.33 | $1,442.74 | $155,818.76 |
| Aug, 2037 | 141 | $681.71 | $422.70 | $338.33 | $1,442.74 | $155,396.06 |
| Sep, 2037 | 142 | $679.86 | $424.55 | $338.33 | $1,442.74 | $154,971.51 |
| Oct, 2037 | 143 | $678.00 | $426.41 | $338.33 | $1,442.74 | $154,545.10 |
| Nov, 2037 | 144 | $676.13 | $428.27 | $338.33 | $1,442.74 | $154,116.83 |
| Dec, 2037 | 145 | $674.26 | $430.15 | $338.33 | $1,442.74 | $153,686.68 |
| Jan, 2038 | 146 | $672.38 | $432.03 | $338.33 | $1,442.74 | $153,254.65 |
| Feb, 2038 | 147 | $670.49 | $433.92 | $338.33 | $1,442.74 | $152,820.73 |
| Mar, 2038 | 148 | $668.59 | $435.82 | $338.33 | $1,442.74 | $152,384.92 |
| Apr, 2038 | 149 | $666.68 | $437.72 | $338.33 | $1,442.74 | $151,947.19 |
| May, 2038 | 150 | $664.77 | $439.64 | $338.33 | $1,442.74 | $151,507.55 |
| Jun, 2038 | 151 | $662.85 | $441.56 | $338.33 | $1,442.74 | $151,065.99 |
| Jul, 2038 | 152 | $660.91 | $443.49 | $338.33 | $1,442.74 | $150,622.50 |
| Aug, 2038 | 153 | $658.97 | $445.43 | $338.33 | $1,442.74 | $150,177.07 |
| Sep, 2038 | 154 | $657.02 | $447.38 | $338.33 | $1,442.74 | $149,729.68 |
| Oct, 2038 | 155 | $655.07 | $449.34 | $338.33 | $1,442.74 | $149,280.34 |
| Nov, 2038 | 156 | $653.10 | $451.31 | $338.33 | $1,442.74 | $148,829.04 |
| Dec, 2038 | 157 | $651.13 | $453.28 | $338.33 | $1,442.74 | $148,375.76 |
| Jan, 2039 | 158 | $649.14 | $455.26 | $338.33 | $1,442.74 | $147,920.49 |
| Feb, 2039 | 159 | $647.15 | $457.26 | $338.33 | $1,442.74 | $147,463.24 |
| Mar, 2039 | 160 | $645.15 | $459.26 | $338.33 | $1,442.74 | $147,003.98 |
| Apr, 2039 | 161 | $643.14 | $461.26 | $338.33 | $1,442.74 | $146,542.72 |
| May, 2039 | 162 | $641.12 | $463.28 | $338.33 | $1,442.74 | $146,079.43 |
| Jun, 2039 | 163 | $639.10 | $465.31 | $338.33 | $1,442.74 | $145,614.12 |
| Jul, 2039 | 164 | $637.06 | $467.35 | $338.33 | $1,442.74 | $145,146.78 |
| Aug, 2039 | 165 | $635.02 | $469.39 | $338.33 | $1,442.74 | $144,677.39 |
| Sep, 2039 | 166 | $632.96 | $471.44 | $338.33 | $1,442.74 | $144,205.94 |
| Oct, 2039 | 167 | $630.90 | $473.51 | $338.33 | $1,442.74 | $143,732.44 |
| Nov, 2039 | 168 | $628.83 | $475.58 | $338.33 | $1,442.74 | $143,256.86 |
| Dec, 2039 | 169 | $626.75 | $477.66 | $338.33 | $1,442.74 | $142,779.20 |
| Jan, 2040 | 170 | $624.66 | $479.75 | $338.33 | $1,442.74 | $142,299.45 |
| Feb, 2040 | 171 | $622.56 | $481.85 | $338.33 | $1,442.74 | $141,817.61 |
| Mar, 2040 | 172 | $620.45 | $483.96 | $338.33 | $1,442.74 | $141,333.65 |
| Apr, 2040 | 173 | $618.33 | $486.07 | $338.33 | $1,442.74 | $140,847.58 |
| May, 2040 | 174 | $616.21 | $488.20 | $338.33 | $1,442.74 | $140,359.38 |
| Jun, 2040 | 175 | $614.07 | $490.34 | $338.33 | $1,442.74 | $139,869.04 |
| Jul, 2040 | 176 | $611.93 | $492.48 | $338.33 | $1,442.74 | $139,376.56 |
| Aug, 2040 | 177 | $609.77 | $494.63 | $338.33 | $1,442.74 | $138,881.93 |
| Sep, 2040 | 178 | $607.61 | $496.80 | $338.33 | $1,442.74 | $138,385.13 |
| Oct, 2040 | 179 | $605.43 | $498.97 | $338.33 | $1,442.74 | $137,886.16 |
| Nov, 2040 | 180 | $603.25 | $501.16 | $338.33 | $1,442.74 | $137,385.00 |
| Dec, 2040 | 181 | $601.06 | $503.35 | $338.33 | $1,442.74 | $136,881.65 |
| Jan, 2041 | 182 | $598.86 | $505.55 | $338.33 | $1,442.74 | $136,376.10 |
| Feb, 2041 | 183 | $596.65 | $507.76 | $338.33 | $1,442.74 | $135,868.34 |
| Mar, 2041 | 184 | $594.42 | $509.98 | $338.33 | $1,442.74 | $135,358.36 |
| Apr, 2041 | 185 | $592.19 | $512.21 | $338.33 | $1,442.74 | $134,846.14 |
| May, 2041 | 186 | $589.95 | $514.46 | $338.33 | $1,442.74 | $134,331.69 |
| Jun, 2041 | 187 | $587.70 | $516.71 | $338.33 | $1,442.74 | $133,814.98 |
| Jul, 2041 | 188 | $585.44 | $518.97 | $338.33 | $1,442.74 | $133,296.01 |
| Aug, 2041 | 189 | $583.17 | $521.24 | $338.33 | $1,442.74 | $132,774.78 |
| Sep, 2041 | 190 | $580.89 | $523.52 | $338.33 | $1,442.74 | $132,251.26 |
| Oct, 2041 | 191 | $578.60 | $525.81 | $338.33 | $1,442.74 | $131,725.45 |
| Nov, 2041 | 192 | $576.30 | $528.11 | $338.33 | $1,442.74 | $131,197.34 |
| Dec, 2041 | 193 | $573.99 | $530.42 | $338.33 | $1,442.74 | $130,666.92 |
| Jan, 2042 | 194 | $571.67 | $532.74 | $338.33 | $1,442.74 | $130,134.18 |
| Feb, 2042 | 195 | $569.34 | $535.07 | $338.33 | $1,442.74 | $129,599.11 |
| Mar, 2042 | 196 | $567.00 | $537.41 | $338.33 | $1,442.74 | $129,061.70 |
| Apr, 2042 | 197 | $564.64 | $539.76 | $338.33 | $1,442.74 | $128,521.94 |
| May, 2042 | 198 | $562.28 | $542.12 | $338.33 | $1,442.74 | $127,979.82 |
| Jun, 2042 | 199 | $559.91 | $544.50 | $338.33 | $1,442.74 | $127,435.32 |
| Jul, 2042 | 200 | $557.53 | $546.88 | $338.33 | $1,442.74 | $126,888.44 |
| Aug, 2042 | 201 | $555.14 | $549.27 | $338.33 | $1,442.74 | $126,339.17 |
| Sep, 2042 | 202 | $552.73 | $551.67 | $338.33 | $1,442.74 | $125,787.50 |
| Oct, 2042 | 203 | $550.32 | $554.09 | $338.33 | $1,442.74 | $125,233.41 |
| Nov, 2042 | 204 | $547.90 | $556.51 | $338.33 | $1,442.74 | $124,676.90 |
| Dec, 2042 | 205 | $545.46 | $558.95 | $338.33 | $1,442.74 | $124,117.95 |
| Jan, 2043 | 206 | $543.02 | $561.39 | $338.33 | $1,442.74 | $123,556.56 |
| Feb, 2043 | 207 | $540.56 | $563.85 | $338.33 | $1,442.74 | $122,992.71 |
| Mar, 2043 | 208 | $538.09 | $566.31 | $338.33 | $1,442.74 | $122,426.40 |
| Apr, 2043 | 209 | $535.62 | $568.79 | $338.33 | $1,442.74 | $121,857.61 |
| May, 2043 | 210 | $533.13 | $571.28 | $338.33 | $1,442.74 | $121,286.33 |
| Jun, 2043 | 211 | $530.63 | $573.78 | $338.33 | $1,442.74 | $120,712.55 |
| Jul, 2043 | 212 | $528.12 | $576.29 | $338.33 | $1,442.74 | $120,136.26 |
| Aug, 2043 | 213 | $525.60 | $578.81 | $338.33 | $1,442.74 | $119,557.45 |
| Sep, 2043 | 214 | $523.06 | $581.34 | $338.33 | $1,442.74 | $118,976.10 |
| Oct, 2043 | 215 | $520.52 | $583.89 | $338.33 | $1,442.74 | $118,392.22 |
| Nov, 2043 | 216 | $517.97 | $586.44 | $338.33 | $1,442.74 | $117,805.78 |
| Dec, 2043 | 217 | $515.40 | $589.01 | $338.33 | $1,442.74 | $117,216.77 |
| Jan, 2044 | 218 | $512.82 | $591.58 | $338.33 | $1,442.74 | $116,625.18 |
| Feb, 2044 | 219 | $510.24 | $594.17 | $338.33 | $1,442.74 | $116,031.01 |
| Mar, 2044 | 220 | $507.64 | $596.77 | $338.33 | $1,442.74 | $115,434.24 |
| Apr, 2044 | 221 | $505.02 | $599.38 | $338.33 | $1,442.74 | $114,834.86 |
| May, 2044 | 222 | $502.40 | $602.00 | $338.33 | $1,442.74 | $114,232.85 |
| Jun, 2044 | 223 | $499.77 | $604.64 | $338.33 | $1,442.74 | $113,628.21 |
| Jul, 2044 | 224 | $497.12 | $607.28 | $338.33 | $1,442.74 | $113,020.93 |
| Aug, 2044 | 225 | $494.47 | $609.94 | $338.33 | $1,442.74 | $112,410.99 |
| Sep, 2044 | 226 | $491.80 | $612.61 | $338.33 | $1,442.74 | $111,798.38 |
| Oct, 2044 | 227 | $489.12 | $615.29 | $338.33 | $1,442.74 | $111,183.09 |
| Nov, 2044 | 228 | $486.43 | $617.98 | $338.33 | $1,442.74 | $110,565.11 |
| Dec, 2044 | 229 | $483.72 | $620.69 | $338.33 | $1,442.74 | $109,944.42 |
| Jan, 2045 | 230 | $481.01 | $623.40 | $338.33 | $1,442.74 | $109,321.02 |
| Feb, 2045 | 231 | $478.28 | $626.13 | $338.33 | $1,442.74 | $108,694.90 |
| Mar, 2045 | 232 | $475.54 | $628.87 | $338.33 | $1,442.74 | $108,066.03 |
| Apr, 2045 | 233 | $472.79 | $631.62 | $338.33 | $1,442.74 | $107,434.41 |
| May, 2045 | 234 | $470.03 | $634.38 | $338.33 | $1,442.74 | $106,800.03 |
| Jun, 2045 | 235 | $467.25 | $637.16 | $338.33 | $1,442.74 | $106,162.87 |
| Jul, 2045 | 236 | $464.46 | $639.94 | $338.33 | $1,442.74 | $105,522.93 |
| Aug, 2045 | 237 | $461.66 | $642.74 | $338.33 | $1,442.74 | $104,880.18 |
| Sep, 2045 | 238 | $458.85 | $645.56 | $338.33 | $1,442.74 | $104,234.62 |
| Oct, 2045 | 239 | $456.03 | $648.38 | $338.33 | $1,442.74 | $103,586.24 |
| Nov, 2045 | 240 | $453.19 | $651.22 | $338.33 | $1,442.74 | $102,935.03 |
| Dec, 2045 | 241 | $450.34 | $654.07 | $338.33 | $1,442.74 | $102,280.96 |
| Jan, 2046 | 242 | $447.48 | $656.93 | $338.33 | $1,442.74 | $101,624.03 |
| Feb, 2046 | 243 | $444.61 | $659.80 | $338.33 | $1,442.74 | $100,964.23 |
| Mar, 2046 | 244 | $441.72 | $662.69 | $338.33 | $1,442.74 | $100,301.54 |
| Apr, 2046 | 245 | $438.82 | $665.59 | $338.33 | $1,442.74 | $99,635.95 |
| May, 2046 | 246 | $435.91 | $668.50 | $338.33 | $1,442.74 | $98,967.45 |
| Jun, 2046 | 247 | $432.98 | $671.42 | $338.33 | $1,442.74 | $98,296.03 |
| Jul, 2046 | 248 | $430.05 | $674.36 | $338.33 | $1,442.74 | $97,621.66 |
| Aug, 2046 | 249 | $427.09 | $677.31 | $338.33 | $1,442.74 | $96,944.35 |
| Sep, 2046 | 250 | $424.13 | $680.28 | $338.33 | $1,442.74 | $96,264.08 |
| Oct, 2046 | 251 | $421.16 | $683.25 | $338.33 | $1,442.74 | $95,580.82 |
| Nov, 2046 | 252 | $418.17 | $686.24 | $338.33 | $1,442.74 | $94,894.58 |
| Dec, 2046 | 253 | $415.16 | $689.24 | $338.33 | $1,442.74 | $94,205.34 |
| Jan, 2047 | 254 | $412.15 | $692.26 | $338.33 | $1,442.74 | $93,513.08 |
| Feb, 2047 | 255 | $409.12 | $695.29 | $338.33 | $1,442.74 | $92,817.79 |
| Mar, 2047 | 256 | $406.08 | $698.33 | $338.33 | $1,442.74 | $92,119.46 |
| Apr, 2047 | 257 | $403.02 | $701.38 | $338.33 | $1,442.74 | $91,418.08 |
| May, 2047 | 258 | $399.95 | $704.45 | $338.33 | $1,442.74 | $90,713.62 |
| Jun, 2047 | 259 | $396.87 | $707.54 | $338.33 | $1,442.74 | $90,006.09 |
| Jul, 2047 | 260 | $393.78 | $710.63 | $338.33 | $1,442.74 | $89,295.46 |
| Aug, 2047 | 261 | $390.67 | $713.74 | $338.33 | $1,442.74 | $88,581.72 |
| Sep, 2047 | 262 | $387.55 | $716.86 | $338.33 | $1,442.74 | $87,864.86 |
| Oct, 2047 | 263 | $384.41 | $720.00 | $338.33 | $1,442.74 | $87,144.86 |
| Nov, 2047 | 264 | $381.26 | $723.15 | $338.33 | $1,442.74 | $86,421.71 |
| Dec, 2047 | 265 | $378.09 | $726.31 | $338.33 | $1,442.74 | $85,695.40 |
| Jan, 2048 | 266 | $374.92 | $729.49 | $338.33 | $1,442.74 | $84,965.91 |
| Feb, 2048 | 267 | $371.73 | $732.68 | $338.33 | $1,442.74 | $84,233.22 |
| Mar, 2048 | 268 | $368.52 | $735.89 | $338.33 | $1,442.74 | $83,497.34 |
| Apr, 2048 | 269 | $365.30 | $739.11 | $338.33 | $1,442.74 | $82,758.23 |
| May, 2048 | 270 | $362.07 | $742.34 | $338.33 | $1,442.74 | $82,015.89 |
| Jun, 2048 | 271 | $358.82 | $745.59 | $338.33 | $1,442.74 | $81,270.30 |
| Jul, 2048 | 272 | $355.56 | $748.85 | $338.33 | $1,442.74 | $80,521.45 |
| Aug, 2048 | 273 | $352.28 | $752.13 | $338.33 | $1,442.74 | $79,769.33 |
| Sep, 2048 | 274 | $348.99 | $755.42 | $338.33 | $1,442.74 | $79,013.91 |
| Oct, 2048 | 275 | $345.69 | $758.72 | $338.33 | $1,442.74 | $78,255.19 |
| Nov, 2048 | 276 | $342.37 | $762.04 | $338.33 | $1,442.74 | $77,493.15 |
| Dec, 2048 | 277 | $339.03 | $765.37 | $338.33 | $1,442.74 | $76,727.77 |
| Jan, 2049 | 278 | $335.68 | $768.72 | $338.33 | $1,442.74 | $75,959.05 |
| Feb, 2049 | 279 | $332.32 | $772.09 | $338.33 | $1,442.74 | $75,186.96 |
| Mar, 2049 | 280 | $328.94 | $775.46 | $338.33 | $1,442.74 | $74,411.50 |
| Apr, 2049 | 281 | $325.55 | $778.86 | $338.33 | $1,442.74 | $73,632.64 |
| May, 2049 | 282 | $322.14 | $782.26 | $338.33 | $1,442.74 | $72,850.38 |
| Jun, 2049 | 283 | $318.72 | $785.69 | $338.33 | $1,442.74 | $72,064.69 |
| Jul, 2049 | 284 | $315.28 | $789.12 | $338.33 | $1,442.74 | $71,275.57 |
| Aug, 2049 | 285 | $311.83 | $792.58 | $338.33 | $1,442.74 | $70,482.99 |
| Sep, 2049 | 286 | $308.36 | $796.04 | $338.33 | $1,442.74 | $69,686.94 |
| Oct, 2049 | 287 | $304.88 | $799.53 | $338.33 | $1,442.74 | $68,887.42 |
| Nov, 2049 | 288 | $301.38 | $803.02 | $338.33 | $1,442.74 | $68,084.39 |
| Dec, 2049 | 289 | $297.87 | $806.54 | $338.33 | $1,442.74 | $67,277.85 |
| Jan, 2050 | 290 | $294.34 | $810.07 | $338.33 | $1,442.74 | $66,467.79 |
| Feb, 2050 | 291 | $290.80 | $813.61 | $338.33 | $1,442.74 | $65,654.18 |
| Mar, 2050 | 292 | $287.24 | $817.17 | $338.33 | $1,442.74 | $64,837.01 |
| Apr, 2050 | 293 | $283.66 | $820.75 | $338.33 | $1,442.74 | $64,016.26 |
| May, 2050 | 294 | $280.07 | $824.34 | $338.33 | $1,442.74 | $63,191.92 |
| Jun, 2050 | 295 | $276.46 | $827.94 | $338.33 | $1,442.74 | $62,363.98 |
| Jul, 2050 | 296 | $272.84 | $831.56 | $338.33 | $1,442.74 | $61,532.42 |
| Aug, 2050 | 297 | $269.20 | $835.20 | $338.33 | $1,442.74 | $60,697.21 |
| Sep, 2050 | 298 | $265.55 | $838.86 | $338.33 | $1,442.74 | $59,858.36 |
| Oct, 2050 | 299 | $261.88 | $842.53 | $338.33 | $1,442.74 | $59,015.83 |
| Nov, 2050 | 300 | $258.19 | $846.21 | $338.33 | $1,442.74 | $58,169.62 |
| Dec, 2050 | 301 | $254.49 | $849.92 | $338.33 | $1,442.74 | $57,319.70 |
| Jan, 2051 | 302 | $250.77 | $853.63 | $338.33 | $1,442.74 | $56,466.07 |
| Feb, 2051 | 303 | $247.04 | $857.37 | $338.33 | $1,442.74 | $55,608.70 |
| Mar, 2051 | 304 | $243.29 | $861.12 | $338.33 | $1,442.74 | $54,747.58 |
| Apr, 2051 | 305 | $239.52 | $864.89 | $338.33 | $1,442.74 | $53,882.69 |
| May, 2051 | 306 | $235.74 | $868.67 | $338.33 | $1,442.74 | $53,014.02 |
| Jun, 2051 | 307 | $231.94 | $872.47 | $338.33 | $1,442.74 | $52,141.55 |
| Jul, 2051 | 308 | $228.12 | $876.29 | $338.33 | $1,442.74 | $51,265.26 |
| Aug, 2051 | 309 | $224.29 | $880.12 | $338.33 | $1,442.74 | $50,385.14 |
| Sep, 2051 | 310 | $220.43 | $883.97 | $338.33 | $1,442.74 | $49,501.17 |
| Oct, 2051 | 311 | $216.57 | $887.84 | $338.33 | $1,442.74 | $48,613.33 |
| Nov, 2051 | 312 | $212.68 | $891.72 | $338.33 | $1,442.74 | $47,721.61 |
| Dec, 2051 | 313 | $208.78 | $895.63 | $338.33 | $1,442.74 | $46,825.98 |
| Jan, 2052 | 314 | $204.86 | $899.54 | $338.33 | $1,442.74 | $45,926.44 |
| Feb, 2052 | 315 | $200.93 | $903.48 | $338.33 | $1,442.74 | $45,022.96 |
| Mar, 2052 | 316 | $196.98 | $907.43 | $338.33 | $1,442.74 | $44,115.52 |
| Apr, 2052 | 317 | $193.01 | $911.40 | $338.33 | $1,442.74 | $43,204.12 |
| May, 2052 | 318 | $189.02 | $915.39 | $338.33 | $1,442.74 | $42,288.73 |
| Jun, 2052 | 319 | $185.01 | $919.39 | $338.33 | $1,442.74 | $41,369.34 |
| Jul, 2052 | 320 | $180.99 | $923.42 | $338.33 | $1,442.74 | $40,445.92 |
| Aug, 2052 | 321 | $176.95 | $927.46 | $338.33 | $1,442.74 | $39,518.47 |
| Sep, 2052 | 322 | $172.89 | $931.51 | $338.33 | $1,442.74 | $38,586.95 |
| Oct, 2052 | 323 | $168.82 | $935.59 | $338.33 | $1,442.74 | $37,651.36 |
| Nov, 2052 | 324 | $164.72 | $939.68 | $338.33 | $1,442.74 | $36,711.68 |
| Dec, 2052 | 325 | $160.61 | $943.79 | $338.33 | $1,442.74 | $35,767.89 |
| Jan, 2053 | 326 | $156.48 | $947.92 | $338.33 | $1,442.74 | $34,819.96 |
| Feb, 2053 | 327 | $152.34 | $952.07 | $338.33 | $1,442.74 | $33,867.89 |
| Mar, 2053 | 328 | $148.17 | $956.24 | $338.33 | $1,442.74 | $32,911.66 |
| Apr, 2053 | 329 | $143.99 | $960.42 | $338.33 | $1,442.74 | $31,951.24 |
| May, 2053 | 330 | $139.79 | $964.62 | $338.33 | $1,442.74 | $30,986.62 |
| Jun, 2053 | 331 | $135.57 | $968.84 | $338.33 | $1,442.74 | $30,017.78 |
| Jul, 2053 | 332 | $131.33 | $973.08 | $338.33 | $1,442.74 | $29,044.70 |
| Aug, 2053 | 333 | $127.07 | $977.34 | $338.33 | $1,442.74 | $28,067.36 |
| Sep, 2053 | 334 | $122.79 | $981.61 | $338.33 | $1,442.74 | $27,085.75 |
| Oct, 2053 | 335 | $118.50 | $985.91 | $338.33 | $1,442.74 | $26,099.84 |
| Nov, 2053 | 336 | $114.19 | $990.22 | $338.33 | $1,442.74 | $25,109.62 |
| Dec, 2053 | 337 | $109.85 | $994.55 | $338.33 | $1,442.74 | $24,115.07 |
| Jan, 2054 | 338 | $105.50 | $998.90 | $338.33 | $1,442.74 | $23,116.16 |
| Feb, 2054 | 339 | $101.13 | $1,003.27 | $338.33 | $1,442.74 | $22,112.89 |
| Mar, 2054 | 340 | $96.74 | $1,007.66 | $338.33 | $1,442.74 | $21,105.23 |
| Apr, 2054 | 341 | $92.34 | $1,012.07 | $338.33 | $1,442.74 | $20,093.15 |
| May, 2054 | 342 | $87.91 | $1,016.50 | $338.33 | $1,442.74 | $19,076.65 |
| Jun, 2054 | 343 | $83.46 | $1,020.95 | $338.33 | $1,442.74 | $18,055.71 |
| Jul, 2054 | 344 | $78.99 | $1,025.41 | $338.33 | $1,442.74 | $17,030.29 |
| Aug, 2054 | 345 | $74.51 | $1,029.90 | $338.33 | $1,442.74 | $16,000.39 |
| Sep, 2054 | 346 | $70.00 | $1,034.41 | $338.33 | $1,442.74 | $14,965.99 |
| Oct, 2054 | 347 | $65.48 | $1,038.93 | $338.33 | $1,442.74 | $13,927.06 |
| Nov, 2054 | 348 | $60.93 | $1,043.48 | $338.33 | $1,442.74 | $12,883.58 |
| Dec, 2054 | 349 | $56.37 | $1,048.04 | $338.33 | $1,442.74 | $11,835.54 |
| Jan, 2055 | 350 | $51.78 | $1,052.63 | $338.33 | $1,442.74 | $10,782.91 |
| Feb, 2055 | 351 | $47.18 | $1,057.23 | $338.33 | $1,442.74 | $9,725.68 |
| Mar, 2055 | 352 | $42.55 | $1,061.86 | $338.33 | $1,442.74 | $8,663.82 |
| Apr, 2055 | 353 | $37.90 | $1,066.50 | $338.33 | $1,442.74 | $7,597.32 |
| May, 2055 | 354 | $33.24 | $1,071.17 | $338.33 | $1,442.74 | $6,526.15 |
| Jun, 2055 | 355 | $28.55 | $1,075.86 | $338.33 | $1,442.74 | $5,450.29 |
| Jul, 2055 | 356 | $23.85 | $1,080.56 | $338.33 | $1,442.74 | $4,369.73 |
| Aug, 2055 | 357 | $19.12 | $1,085.29 | $338.33 | $1,442.74 | $3,284.44 |
| Sep, 2055 | 358 | $14.37 | $1,090.04 | $338.33 | $1,442.74 | $2,194.40 |
| Oct, 2055 | 359 | $9.60 | $1,094.81 | $338.33 | $1,442.74 | $1,099.60 |
| Nov, 2055 | 360 | $4.81 | $1,099.60 | $338.33 | $1,442.74 | $0.00 |
Compare Monthly vs. Bi-weekly |
||
| Payment Frequency | Monthly | Bi-weekly |
|---|---|---|
| Payments / Year | 12 | 26 |
| Each Payment | $1,442.74 | $708.36 |
| Total Extra Payments | $0.00 | $0.00 |
| Total Interest | $197,586.67 | $159,785.30 |
| Total Tax, Insurance, PMI & Fees | $121,800.00 | $101,500.00 |
| Total Payment | $819,386.67 | $761,285.30 | Total Savings | $0 | $58,101.36 |
| Payoff Date | Nov, 2055 | Nov, 2050 |
Today's HELOC Rates
Check Today's Mortgage Rates
What Is a Cash-Out Refinance?
A cash-out refinance replaces your existing mortgage with a new and larger mortgage allowing you to cash out a portion of your home equity. Instead of applying for home equity loan or a home equity line of credit, you can use a cash out refinance to convert part of the home equity you've built into cash. Homeowners can use cash out refinance for home repairs or renovation, debt consolidation, education, investing, or convering medical bills.
How Much Cash Can You Get?
Many lenders allow homeowners to borrow 75%–80% of their home's value. Some of the main factors that determine how much cash you can get are home value, current mortgage balance, DTI ratio, credit score, and mortgage type.
Cash-Out Refinance vs. HELOC vs. Home Equity Loan
There are similarities and differences between a cash out refinance, HELOC, and a home equity loan.
| Cash-Out Refinance | HELOC | Home Equity Loan | |
|---|---|---|---|
| Payout | Lump sum | Revolving line | Lump sum |
| Interest Rate | Usually fixed | Variable | Usually fixed |
| Closing Costs | Higher | Lower | Moderate |
| Best For | Large expenses, debt consolidation | Flexibility, ongoing credit lines | Medium one-time expenses |
What is a Cash-Out Refinance Calculator?
If you're a homeowner looking to tap into your equity for renovating your home, consolidating debt, starting a business, paying for education, or investing, our cash-out refinance calculator will come in handy. The cash out refinance calculator will help you estimate:
- How much cash you can get
- Your new mortgage amount
- Your new monthly mortgage payment
- You new mortgage payoff date
- Total itnerest payments
- Total tax, insurance, PMI and fees
- Total of all payments
- New amortization schedule for the cash out refinance
In a nutshell, the cash out refinance calculator makes it easier for you to compare different scenarios and lenders to determine whether a cash out refinance makes financial sense.
How the Cash-Out Refinance Calculator Works?
The cash out refinance calculator has various options and inputs that you can calculate for.
- Home Value - It determines how much equity you have. Most lenders allow homeowners to borrow up to 75%–80% LTV depending on credit score and loan type.
- Mortgage Balance - Subtracting the mortgage balance from the home value gives you your available home equity.
- Cash Out - This is the the amount that you wish to cash out from your home equity.
- Loan to Value (LTV) - How much debt you have relative to the home value which determines how much cash you can get.
- New Mortgage Amount - This is calculated for your automatically based on the home value, mortgage balance, and cash out amount.
- Loan Terms - The new loan terms for your cash out refinance loan.
- Interest Rate - The new interest rate for your cash out refinance loan.
- PMI - If you don't have enough equity in your home, conventiona lenders require you to pay private mortgage insurance.
- Property Tax - The annual property tax for your home.
- Home Insurance - The annual home insurance for your property.
- HOA Fees - Are you required to pay HOA fees?
- Payment Frequency - Default to monthly, but you can choose biweekly if you want to pay off your loan faster.
- First Payment Date - You can select any date as your first payment date.
- Amortization Schedule - Generate the cash out refinance amortization schedule by monthly or annually.
- Extra Payments - You can make additional monthly payments to speed up the loan payoff.
HELOC Loan Calculator
HELOC Calculator
Student Loan Refinance Calculator
Home Equity Loan Calculator
HELOC Extra Payment Calculator
HELOC Payment Calculator
Home Equity Line of Credit Calculator
HELOC Payoff Calculator
HELOC Calculator Excel
Refinance Break Even Calculator
Interest Only HELOC Calculator
HELOC LTV Calculator
HELOC Interest Rate
HELOC Amount Calculator
Refinance Calculator
Auto Refinance Calculator
Refinance Break Even Calculator
Recasting Calculator
Cash Out Refinance Calculator
Amortization Calculator
HELOC Interest Calculator
HELOC Closing Costs Calculator
HELOC APR Calculator
Home Equity Calculator
Line of Credit Calculator
Compare HELOC Rates
HELOC Calculator | Terms | Privacy | Disclaimer | Contact
©2025 HELOC Calculator