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To do a cash-out refinance, you’ll also need to pay closing costs such as an appraisal fee. Unless you finance these costs with the new loan, subtract these from the final amount of cash you end up with. Say the remaining balance on your current mortgage is $100,000, and your home is currently worth $300,000. In this case, you’d have $200,000 in home equity. 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.
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