Tool
FHA cash-out calculator
How the math works
Enter the appraised or estimated value, payoff of all liens, closing costs paid from the loan and the upfront premium rate from your Loan Estimate. The calculator applies FHA's cash-out cap and shows the base loan, upfront premium, total loan and estimated cash. Nothing is preselected or stored, and it is not a government tool.
Last reviewed against the primary sources listed below.
FHA Equity Calc · https://fhacashoutrefinancecalculator.com/fha-cash-out-calculator.html · General education only; nothing you entered was stored.
How to read your result
The result shows the largest base loan for the value you entered, the upfront premium added on top, the total loan, and the estimated cash after payoffs and costs. Change one input at a time to see what moves the result.
- Largest base loan: value times the cap.
- Total loan: base loan plus the financed premium.
- Estimated cash: what is left for you.
What to do next
Compare with the cash-to-close line on a Loan Estimate from an FHA lender.
Assumptions
Uses FHA's eighty percent cap on value and finances the upfront premium on top. Lenders can be stricter.
Calculator questions
Is this my approved amount?
No. It is an estimate from your numbers.