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HELOC vs Cash-Out Refinance

If you have a low first-mortgage rate, refinancing everything to get cash can be expensive. This compares keeping your first mortgage and adding a HELOC against a full cash-out refinance.

$
$
$
Path A · Keep + HELOC
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Path B · Cash-out refi
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Monthly difference
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Path A blended rate
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See the full trade-offs in our HELOC vs cash-out guide →

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Estimates only — for general information, not individualized financial advice. Actual rates, payments, and terms depend on your lender and circumstances.