FHA Cash-Out Refinance — Requirements, Rules and Checklists (Set 1)

Guide Library · FHA Cash-Out Refinance · Set 1

73 FHA cash-out refinance guides — requirements, rules, limits and documentation checklists — published Oct 2026. Each one is written against the FHA Cash-Out Refinance program terms; the library index on that page lists every set.

October 2026

  1. FHA Cash-out Refinance Rules: Occupancy, Loan-to-value, And CreditEvery figure here is subject to lender guidelines and full file review, and nothing here is a commitment to lend.
  2. FHA Cash-out Refinance Credit Requirements: The Floor And The Overlays Above ItFHA Cash-Out Refinance Credit Requirements — The FHA program publishes a very low credit floor, a 500 decision score.
  3. FHA Cash-Out Credit Requirements and When a File Goes ManualFHA cash-out credit requirements explained: the 580 floor, 80% LTV, and what sends a file to manual underwriting. Talk to Lendmire to compare your options.
  4. FHA Cash-Out Appraisal Requirements for Value and RepairsFHA cash-out appraisal requirements explained: how value caps your cash, which repairs are required, and how to prep. Ask Lendmire to compare your options.
  5. FHA Cash-Out Upfront Mortgage Insurance and Refund RulesFHA cash-out upfront mortgage insurance is 1.75% of the base loan, and a credit applies only FHA-to-FHA. See how the credit works and ask Lendmire about it.
  6. FHA Cash-Out Ownership Requirements for the Case Number DateLearn FHA cash-out ownership requirements: 12 months owned and occupied, measured at the case number date. Check your timing and ask Lendmire for help.
  7. FHA Cash-Out Requirements When Texas Homestead Rules Cap the LoanSee how Texas homestead rules cap the loan on an FHA cash-out refinance, and what that means for your equity. Lendmire can help you compare options.
  8. FHA and Conventional Cash-Out Requirements Side by Side for a Primary HomeSee cash-out requirements side by side for FHA and conventional loans on your primary home. Compare leverage, seasoning and insurance, then talk to Lendmire.
  9. FHA Cash-Out Refinance Program Checklist for Homeowners Comparing OffersUse this FHA cash-out refinance program checklist to confirm eligibility, gather documents, and compare offers side by side. Talk to Lendmire today.
  10. Texas Homestead Rules for an FHA Cash-Out RefinanceTexas homestead rules for an FHA cash-out explained: the 80% cap, 2% fee limit and your real options. Ask Lendmire to compare programs and equity each reaches.
  11. FHA Cash-Out Requirements for a Homeowner With No Tax ReturnsHomeowner with no tax returns? Learn what FHA cash-out really requires, which documents replace a 1040, and how Lendmire can help you compare your options.
  12. FHA Cash-Out Refinance Guidelines When the First Mortgage Is CheapLearn FHA cash-out refinance guidelines, the 80% LTV cap, and how a cheap first mortgage changes the math. Talk to Lendmire to compare your options.
  13. FHA Cash-Out Occupancy Requirements for an Heir Living in the HomeLearn the occupancy requirements for an heir on an FHA cash-out refinance, what breaks the exception, and how Lendmire can help you compare options. Call today.
  14. Conventional Cash-Out Requirements for Leaving an FHA LoanLearn the cash-out requirements for leaving an FHA loan: loan age, equity, credit and reserves. Lendmire can help you compare options. Start here.
  15. FHA Cash-Out LTV Limit for a Paid-Off HomeLearn the FHA cash-out LTV limit for a paid-off home, how the 80% cap works, and what it means for your cash. Ask Lendmire to compare your options.
  16. FHA Cash-Out LTV Limit When Moving From a Conventional LoanMoving from a conventional loan to an FHA cash-out? See the 80% LTV cap, occupancy rules and insurance tradeoffs, then compare your options with Lendmire.
  17. FHA Cash-Out Upfront MIP Rules When Leaving a Conventional LoanLearn how FHA cash-out upfront MIP works when you leave a conventional loan, and what it means for your equity. Lendmire can help you compare options.
  18. FHA Cash-Out Ownership Requirements for a Recent Home PurchaseOwnership requirements for a recent home purchase on an FHA cash-out: the 12-month rule, value caps and your options. Compare programs with Lendmire today.
  19. FHA Cash-Out Credit Requirements for Debt Consolidation at High DTILearn the credit requirements for debt consolidation with an FHA cash-out at high DTI, and how scores and ratios work. Talk to Lendmire to compare options.
  20. FHA Cash-Out Requirements for a Thinner Credit ProfileRequirements for a thinner credit profile on an FHA cash-out refinance: what lenders check and what to gather. Ask Lendmire to compare your cash-out options.
  21. FHA Cash-Out Ratio Requirements for Consolidating Debt on a High DTIFHA cash-out ratio requirements for consolidating debt: see how 80% LTV and DTI work on a high-DTI file, then ask Lendmire to compare your cash-out options.
  22. FHA Cash-Out Appraisal Requirements for an Existing FHA LoanCash-out appraisal requirements for an existing FHA loan: what the appraiser checks, the 80% cap and low-value risks. Lendmire can help you compare options.
  23. FHA Cash-Out Limits in Texas for Debt Consolidation With a High DTIFHA cash-out limits in Texas explained: the 80% cap, high-DTI paths and debt payoff math. See how Lendmire can help you compare your equity options today.
  24. FHA Cash-Out DTI Limits With a Thinner Credit ProfileDTI limits with a thinner credit profile on an FHA cash-out: how ratios, scores and compensating factors interact. Lendmire can help you compare programs.
  25. Texas FHA Cash-Out Requirements for a Homeowner With an Existing FHA LoanTexas FHA cash-out requirements for homeowners with an FHA loan: 80% LTV, 12-month rule, homestead limits. Compare your options and ask Lendmire for help.
  26. FHA Cash-Out Requirements for a Conventional Borrower With Tight DTIConventional borrower with tight DTI? See how an FHA cash-out works, what it requires, and what it costs. Call Lendmire to compare your options.
  27. FHA Cash-Out Annual MIP Rules With an Existing FHA LoanLearn how annual MIP rules work with an existing FHA loan before a cash-out refinance. Lendmire can help you compare options and request a review.
  28. FHA Cash-Out Upfront MIP Rules for an Existing FHA LoanLearn how upfront MIP works on an FHA cash-out of an existing FHA loan, when a credit applies, and how to compare options. Ask Lendmire to review your file.
  29. FHA Cash-Out Refinance Requirements at a GlanceFHA cash-out refinance requirements explained: 80% LTV, 12-month occupancy, credit and ratios. See how Lendmire can help you compare options. Call today.
  30. Cash-Out Refinance Mortgage Insurance Rules When Leaving FHALearn the mortgage insurance rules when leaving FHA for a cash-out refinance, what ends, what stays, and how to compare options with Lendmire. Get started.
  31. FHA and Conventional Cash-Out Credit Requirements for a Lower Score TierSee how credit requirements for a lower score tier differ on FHA and conventional cash-out refinances. Lendmire helps you compare programs. Get started.
  32. VA Cash-Out Benefit Test Requirements Replacing a Conventional or FHA LoanVA cash-out benefit test requirements explained: the eight ways to pass when replacing an FHA or conventional loan. Lendmire helps you compare. Get started.
  33. FHA Cash-Out Documentation for a Retiree on Pension and Social SecurityRetiree on pension and Social Security? See the FHA cash-out documents lenders ask for and how income counts. Lendmire can help you compare your options.
  34. Texas FHA Cash-Out Fee Cap Rules for High-Cost Closing StatesTexas FHA cash-out fee cap rules explained: the 2% fee limit, what sits outside it, and the 80% LTV ceiling. Compare your options with Lendmire today.
  35. FHA Cash-Out Refinance Rules in Texas for a Locked-in First MortgageFHA cash-out refinance rules in Texas explained: the 80% cap, 12-month occupancy and homestead limits. Lendmire helps you compare your options. Learn more.
  36. FHA Cash-Out Ownership Requirements on a Texas HomesteadOwnership requirements on a Texas homestead for an FHA cash-out: what HUD asks, where Texas law stops it, and your options. Ask Lendmire to compare paths.
  37. FHA Cash-Out Appraisal Rules for a Condo UnitAppraisal rules for a condo unit on an FHA cash-out: project approval, the value cap and low-value options. Talk with Lendmire to compare your equity options.
  38. FHA Cash-Out LTV Limit on a 2-4 Unit Primary HomeSee the FHA cash-out limit on a 2-4 unit primary home, what shrinks your cash, and how the 80% cap works. Compare options with Lendmire before you apply.
  39. FHA Cash-Out Credit Requirements for a 2-4 Unit Primary HomeFHA cash-out credit requirements for a 2-4 unit primary home: score floor, 80% LTV, seasoning and 3-4 unit tests. Lendmire can help you compare options.
  40. FHA and Conventional Cash-Out Requirements for a Condo Primary HomeRequirements for a condo primary home: FHA vs conventional cash-out on equity, occupancy and HOA approval. Talk to Lendmire to compare your cash-out options.
  41. FHA Cash-Out Documentation for an S-Corp Owner Paid by DistributionsFHA cash-out documentation for S-corp owners paid by distributions: what lenders need, how income is built, and how to compare your options with Lendmire.
  42. FHA Cash-Out Rules for a First Mortgage With a Prepayment PenaltyCash-out rules for a first mortgage with a prepayment penalty: how the payoff, the 80% LTV cap and FHA rules fit. Ask Lendmire to compare your options.
  43. FHA Cash-Out Rules for a Texas Second Home That Isn’t a HomesteadLearn why FHA cash-out rules don’t reach a Texas second home, even without homestead status. See what works instead. Ask Lendmire to compare options.
  44. FHA Cash-Out Refinance Documentation for a Locked-in HomeownerDocumentation for a locked-in homeowner weighing an FHA cash-out refinance: the paperwork, the math test, and the trade-offs. Ask Lendmire to compare options.
  45. FHA Cash-Out Buyout Requirements for a Divorce DecreeFHA cash-out buyout requirements for a divorce decree: what the lender needs, how the 80% cap works, and where Lendmire can help you compare options.
  46. FHA Cash-Out Requirements for a Condo Project Not yet ApprovedCondo project not yet approved? See how FHA single-unit approval and cash-out rules work, then ask Lendmire to compare your options.
  47. FHA Cash-Out Cap and Reserve Rules for a Duplex or TriplexReserve rules for a duplex or triplex on an FHA cash-out refinance: the 80% cap, reserves and rent test explained. Ask Lendmire to compare your options.
  48. FHA Cash-Out Income Documentation by Borrower Type and Income SourceFHA cash-out income documentation explained by borrower type, from W-2 to self-employed to retired. See what to gather first and talk with Lendmire.
  49. FHA Cash-Out Loan Cap and Fee Limits on a Texas HomesteadSee how fee limits on a Texas homestead stack with FHA’s 80% cash-out cap, and what it means for your cash. Talk to Lendmire to compare options.
  50. FHA Cash-Out Requirements With a Solar Lien or Unpermitted AdditionFHA cash-out requirements with a solar lien: see what blocks the file, what to clear first, and how Lendmire can help you compare options. Get started.
  51. FHA Cash-Out Spousal Signature Rules in Community-Property StatesLearn spousal signature rules in community-property states for an FHA cash-out refinance, what your spouse signs, and what counts. Ask Lendmire to compare options.
  52. FHA Cash-Out Electronic Verification Requirements and FallbacksFHA cash-out electronic verification requirements explained: what gets checked online, the fallbacks if it fails, and a prep list. Ask Lendmire to review.
  53. FHA Cash-Out Subordinate Lien Requirements at a High DTISubordinate lien requirements at a high DTI on an FHA cash-out: how the 80% cap, HELOC limits and DTI interact. Compare your options with Lendmire today.
  54. FHA Cash-Out Buyout Requirements for an Heir Living in the HomeBuyout requirements for an heir living in the home: title, occupancy, 80% cap and paperwork for an FHA cash-out. See how it works, then ask Lendmire today.
  55. FHA Cash-Out Requirements for a Duplex With an Existing FHA LoanLearn how an FHA cash-out works on a duplex with an existing FHA loan. See the 80% cap and 12-month tests, then ask Lendmire to compare your options.
  56. FHA Cash-Out Debt Consolidation Rules for a Duplex With High DTILearn the FHA cash-out debt consolidation rules for a duplex with high DTI, from the 80% cap to rental income. Talk to Lendmire to compare your options.
  57. FHA Cash-Out Non-Occupant Co-Borrower Rules for Lower CreditCo-borrower rules for lower credit on an FHA cash-out: why a non-occupant’s income can’t count and what to do instead. Lendmire can help you compare options.
  58. FHA Cash-Out Requirements When Adding a Non-Occupant Co-BorrowerAdding a non-occupant co-borrower to an FHA cash-out won’t count their income. See what qualifies and how Lendmire can help you compare options today.
  59. FHA Cash-Out County Limit for a Homeowner With an Existing FHA LoanFHA cash-out county limit explained: how the dollar ceiling and 80% cap work with an existing FHA loan. See your options and ask Lendmire to compare them.
  60. FHA Cash-Out County Limit for a Conventional Borrower Switching to FHAConventional borrower switching to FHA? Learn how the county limit and 80% cash-out cap work together, then compare your equity options with Lendmire today.
  61. FHA Cash-Out Payment History Requirements for a Thinner Credit ProfileSee the history requirements for a thinner credit profile on an FHA cash-out: what gets checked and how to prove it. Ask Lendmire to compare your options.
  62. FHA Cash-Out Condo Approval Requirements With an Existing FHA LoanFHA cash-out condo approval requirements explained: project vs single-unit approval, the 80% cap, and next steps. Ask Lendmire to review your building.
  63. FHA Cash-Out Income Documentation for a Homeowner With Thinner CreditDocumentation for a homeowner with thinner credit seeking an FHA cash-out: income proofs, credit evidence and a checklist. Ask Lendmire to review your file.
  64. FHA Cash-Out Requirements for an FHA Homeowner Who Wants CashFHA cash-out requirements for an FHA homeowner: 80% LTV, occupancy, seasoning and credit. Lendmire explains it so you can check your fit and compare options.
  65. FHA Cash-Out Requirements for a Duplex Owner With a Locked-in MortgageA duplex owner with a locked-in mortgage can compare FHA cash-out limits, occupancy rules, and second-lien options. See how Lendmire helps you weigh them.
  66. FHA Cash-Out Spouse Signing Rules in High-Cost Closing StatesSpouse signing rules in high-cost closing states for an FHA cash-out: who signs the lien, who owes the Note. Ask Lendmire to compare your cash-out options.
  67. FHA Cash-Out Listing Rules for a Homeowner With a Low First MortgageFHA cash-out listing rules explained for homeowners with a low first mortgage. Learn what HUD tests and what lenders add, then ask Lendmire to compare options.
  68. FHA Cash-Out HOA Litigation and Solar Lien Rules in High-Cost StatesFHA cash-out HOA litigation can stall a condo refinance. Learn how lawsuits, solar liens and PACE are reviewed, then compare your options with Lendmire.
  69. FHA Cash-Out Condo Questionnaire Rules for a First-Time Equity BorrowerFHA cash-out condo questionnaire rules explained: who files the form, what your building must pass, and how to prepare. Talk to Lendmire to compare options.
  70. FHA Cash-Out Rules on a Live-in Duplex for a First-Time Equity BorrowerFHA cash-out rules on a live-in duplex: 80% LTV, 12-month occupancy, rent treatment and costs. See how first-time equity borrowers qualify with Lendmire.
  71. FHA Cash-Out Second Lien Rules for a Texas HomesteadSecond lien rules for a Texas homestead: how the 80% cap, FHA cash-out and the wait between equity loans fit together. Ask Lendmire to compare your options.
  72. FHA Cash-Out Approval Requirements for a Condo UnitLearn the approval requirements for a condo unit on an FHA cash-out refinance, from project status to the 80% cap. Lendmire can help you compare options.
  73. FHA Cash-Out Income Rules on a Triplex With All Other Units LeasedLearn the FHA cash-out income rules for an owner-occupied triplex with leased units, and see how Lendmire can help you compare options. Get started.