Say your kitchen and bathroom reno budget is $120,000. You decide to refinance the remaining $100,000 on the original mortgage and take out $130,000 in cash, for a new loan amount of $230,000. Your lender charges 1 percent of that amount in closing costs, or $2,300. All told, you’ll take home $127,700 in equity funds. How to prepare for a cash-out refinance. If you’re considering a cash-out refinance, you’re likely in need of funds for a specific purpose.
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