FHA Cash-Out Refinance: Tapping Equity in 2026

Published 2026-06-09

FHA Cash-Out Refinance: Tapping Equity in 2026 is one of the most common questions FHA buyers ask. In short: FHA loans remain one of the most accessible paths to homeownership in 2026, with a 3.5% minimum down payment, credit scores accepted from 580 (and 500 with 10% down), and county loan limits ranging from $541,287 to $1,249,125.

The most important thing to remember is that FHA rates and rules change frequently. Tracking those changes is exactly what the free FHA Notification Program is for — we alert you when rates move, requirements change, or new programs launch, so you can act at the right time.

Key takeaways

• FHA allows 3.5% down with a 580+ credit score.
• Mortgage insurance (MIP) applies and is often for the life of the loan.
• County loan limits cap how much you can borrow.
• Comparing two or three lenders can save thousands.

Get FHA Rate & Program Alerts

Join the free FHA Notification Program. We watch rates, requirements, and new programs so you do not have to.

Notify Me

By providing your phone number you consent to receive text messages from FHA Rate Guide with important notifications about FHA programs, rate alerts, and requirements (up to 2 messages/week). Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help. See our Terms of Service and Privacy Policy.