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If you need extra cash to cover expenses, a cash-out refinance could be a great option. Cash-Out Refinance Example. With a cash-out refinance, you take a portion of your equity and then add what you’ve taken out onto your new mortgage principal. This means your new mortgage would be worth $160,000 – the original $140,000 you owed on the home plus the $20,000 you need for renovations. Your lender will give you the $20,000 in cash a few days after closing. The amount you’re able to borrow on your refinance typically depends on your home's value. Before finding out how much you qualify for, you'll need to have your home appraised.

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