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How much equity can I take out of my home?

Short answerUsually up to 80% of the home’s value minus what you owe on a primary residence (VA can go higher), and 70–75% on investment property.

Reviewed by Juan Fernando Romero, NMLS 2557318Updated October 14, 2026

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Related loan programs

Home loan

Cash-Out Refinance

A cash-out refinance replaces your current mortgage with a larger one and pays you the difference in cash, commonly up to 80% of your home’s value on a primary residence.

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Investment property

DSCR Cash-Out Refinance

A DSCR cash-out refinance replaces the loan on a rental with a larger one, sized to the property’s value and qualified on its rent, and pays you the difference in cash.