VA Cash-Out Refinance
Tap home equity up to 100% LTV — even from a non-VA loan.
How it works
The VA cash-out refinance lets you tap equity up to 100% of the home's value — and even a non-VA loan can be refinanced into a VA cash-out to eliminate mortgage insurance and lower the rate.
Key things to know
- $0 down payment with full entitlement, and no monthly mortgage insurance.
- Requires a Certificate of Eligibility (COE) and a primary-residence occupancy plan.
- A one-time funding fee applies (financed; waived for many disabled veterans).
- VA county limits only matter for partial entitlement — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA Cash-Out Refinance?
- The VA cash-out refinance lets you tap equity up to 100% of the home's value — and even a non-VA loan can be refinanced into a VA cash-out to eliminate mortgage insurance and lower the rate.
- Do I need a down payment?
- No — with full entitlement the VA benefit allows $0 down with no monthly mortgage insurance.