Delaware Cash-Out Refinance Rates Today

See current cash-out refinance rates in DE, estimate how much cash you could take out of your home, and compare a cash-out refinance with a HELOC or home equity loan.

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Loan Type	Rate	APR	Points	Est. Monthly Payment
FHA 30-Year Fixed	6.500%	7.363%	2.184	$2,250
VA 30-Year Fixed	6.500%	6.930%	2.071	$2,239
Conventional 15-Year Fixed	6.375%	6.882%	2.123	$3,024
Conventional 30-Year Fixed	6.875%	7.204%	2.200	$2,299
Jumbo 30-Year Fixed	6.875%	7.119%	2.250	$6,240

Loan Type	Rate	APR	Points	Est. Monthly Payment
FHA 30-Year Refinance	6.625%	7.548%	2.479	$2,280
VA 30-Year Refinance	6.875%	7.220%	2.235	$2,310
Conventional 15-Year Refinance	6.490%	7.054%	2.241	$3,046
Conventional 30-Year Refinance	7.000%	7.380%	2.456	$2,328
Jumbo 30-Year Refinance	6.875%	7.131%	2.300	$6,240

Loan Type	Rate	APR	Est. Monthly Payment
Fixed 20-Year HELOC	9.875%	9.875%	$956
Fixed 30-Year HELOC	10.250%	10.250%	$896

Loan Type	Rate	APR	Points	Est. Monthly Payment
Conventional 30-Year Cash-Out Refinance	7.375%	7.752%	2.203	$2,072

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 7.363% APR and $2,250 monthly payment at 70% loan-to-value (LTV) and 2.184 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 6.930% APR and $2,239 monthly payment at 70% loan-to-value (LTV) and 2.071 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.882% APR and $3,024 monthly payment at 70% loan-to-value (LTV) and 2.123 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 7.204% APR and $2,299 monthly payment at 70% loan-to-value (LTV) and 2.200 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 7.119% APR and $6,240 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 1, 2026.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 7.548% APR and $2,280 monthly payment at 70% loan-to-value (LTV) and 2.479 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 7.220% APR and $2,310 monthly payment at 70% loan-to-value (LTV) and 2.235 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.054% APR and $3,046 monthly payment at 70% loan-to-value (LTV) and 2.241 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.380% APR and $2,328 monthly payment at 70% loan-to-value (LTV) and 2.456 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 7.131% APR and $6,240 monthly payment at 70% loan-to-value (LTV) and 2.300 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 1, 2026.

Fixed 20-Year HELOC: Interest rate offered based on $100,000 loan amount with 9.875% APR and $956 monthly payment at 20% loan-to-value (LTV) and 0.024 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Fixed 30-Year HELOC: Interest rate offered based on $100,000 loan amount with 10.250% APR and $896 monthly payment at 20% loan-to-value (LTV) and 0.160 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Home equity lines shown assume a 3-year draw period, a $25,000 minimum initial draw, a $99 annual fee, a $100 minimum payment. Repayment period is 204 and 324 months, following the draw period. Terms are an example only and vary by line amount, property and credit profile.

Conventional 30-Year Cash-Out Refinance: Interest rate offered based on $300,000 loan amount with 7.752% APR and $2,072 monthly payment at 70% loan-to-value (LTV) and 2.203 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

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Rates as of November 3, 2026 · Typical Delaware home price: $346,200

Cash-out refinances in Delaware: Lower’s 30-year fixed cash-out rate today is 7.375% (7.752% APR) with 2.203 discount points, quoted at 70% of your home’s value. On a typical Delaware home worth $346,200, that’s a new loan of about $242,340. These figures use a typical Delaware home price: the average of the median prices in its largest cities (details at the bottom of the page). What you could borrow and pay depends on your own home’s value, what you owe and your credit.

How much equity have Delaware homeowners gained?

+3.3%Delaware home prices, past year

+37.3%Delaware home prices, past 5 years

$94,100Est. equity from price growth over 5 years on a $346,200 home

Delaware home prices rose 37.3% over the five years through the second quarter of 2026 and rose 3.3% over the past year, according to the Federal Housing Finance Agency’s House Price Index. That ranks Delaware 21st among the 50 states and Washington, DC for price growth over the past year. If a home worth Delaware’s typical home price of $346,200 kept pace with the index, it was worth about $252,100 five years ago. That’s about $94,100 in equity from price growth alone, before counting any mortgage payments.

A cash-out refinance is based on your home’s current appraised value, so price growth can increase how much cash you may be able to take out. It’s a statewide index, so prices in your area, and your home’s value, may have changed more or less.

How much cash could you take out in Delaware?

A cash-out refinance replaces your mortgage with a larger loan, and you get the difference in cash. Here’s how that works out on a typical Delaware home worth $346,200, depending on what you still owe.

Estimated cash before closing costs on a $346,200 home with a new loan at 70% of its value, by how much you still owe on your mortgage (shown as a share of the home’s value).

If you still owe	Cash with a new loan of $242,340 (70% of value)
20% of value ($69,000)	$173,340
30% of value ($104,000)	$138,340
40% of value ($138,000)	$104,340
50% of value ($173,000)	$69,340

Try your own numbers

Home value What you owe

New loan at 70% of value: $242,340

Estimated cash before closing costs: $104,340

Estimated monthly principal and interest at 7.375% (7.752% APR): $1,673

How we got these numbers: The home value is the typical Delaware home price (sources below). The new loan is 70% of that value, the loan-to-value Lower’s cash-out rate is quoted on. Borrowing more, up to the 80% limit that generally applies to a one-unit primary home, may mean a higher rate. Each estimate is the new loan amount minus what you owe, before closing costs and any discount points. A “—” means the new loan wouldn’t cover what you owe. These are examples, not an offer: your actual amount depends on your appraisal, your credit, your debt-to-income ratio and the property. See how much you can cash out on a refinance.

Cash-out refinance estimates in Delaware’s largest cities

Home prices, property taxes and insurance vary from city to city across Delaware. Here’s a cash-out refinance at 70% of value on a median-priced home in Delaware’s 2 largest cities, using Movoto market trends data for September 2026.

Estimates for a median-priced home in each city, with a new loan at 70% of its value.

City	Median home price	New loan at 70%	Principal and interest
Wilmington	$315,000	$220,500	$1,522
Dover	$377,495	$264,247	$1,825

How we got these numbers: Median prices are from Movoto market trends data for September 2026. The new loan is 70% of the city’s median price, the loan-to-value Lower’s cash-out rate is quoted on. Principal and interest is at 7.375% (7.752% APR) over 30 years. The cash you’d get is the new loan minus what you still owe, before closing costs.

Delaware cash-out refinance payment examples

Estimated monthly principal and interest on a 30-year fixed cash-out refinance at today’s Delaware rate of 7.375% (7.752% APR), by new loan amount.

Monthly principal and interest by new loan amount, at 7.375% (7.752% APR), rates as of November 3, 2026.

New loan amount	30-year fixed at 7.375% (7.752% APR)
$200,000	$1,381
$300,000	$2,072
$400,000	$2,762
$500,000	$3,453

Payments don’t include property taxes, insurance or mortgage insurance. The quoted rate assumes 2.203 discount points, or about $6,609 on a $300,000 loan, paid at closing. A cash-out refinance applies the new rate to your whole balance, not just the cash you take out, so compare it with your current rate. See whether a cash-out refinance is a good idea.

Cash-out refinance basics

A cash-out refinance replaces your current mortgage with a larger loan, and you get the difference in cash at closing. The new rate applies to your whole balance and closing costs apply, so if your current rate is lower than today’s, a HELOC or home equity loan may cost less.

Learn more: how a cash-out refinance works · HELOC vs. cash-out refinance · cash-out refinance vs. home equity loan · Delaware HELOC rates · cash-out refinance rates in every state.

Frequently Asked Questions

Can I get a cash-out refinance in Delaware?

Yes. Lower offers cash-out refinances in Delaware. How much cash you can take out depends on your home’s value, what you owe and your credit.

What are cash-out refinance rates in Delaware today?

Lower’s 30-year Delaware cash-out refinance rate as of November 3, 2026 is 7.375% (7.752% APR) with 2.203 discount points, based on a $300,000 loan at 70% of the home’s value. Your rate depends on your credit, how much of your home’s value you borrow and the property.

How much cash can I take out with a cash-out refinance in Delaware?

Conventional cash-out refinances on a one-unit primary home generally top out at 80% of the home’s value. For example, on a $346,200 home where you owe $138,000, a new loan at 70% of the value ($242,340) would leave about $104,340 before closing costs. Lower’s quoted rate assumes a loan at 70% of value; borrowing more may mean a higher rate. Your actual amount depends on your appraisal, credit and debt-to-income ratio.

Sources: home values from Movoto market trends data for September 2026; the typical Delaware home price of $346,200 is the average of the median sale prices in Delaware’s 2 largest cities, rounded to the nearest $100: Wilmington ($315,000) and Dover ($377,495). Largest cities are by Census Bureau population estimates among cities with enough Movoto sales data; where a state has too few, the busiest markets by homes sold fill in. Home price growth: FHFA House Price Index (purchase-only, seasonally adjusted), the second quarter of 2026. Rates: Lower, as of November 3, 2026. Examples only; not an offer of credit. Lower, LLC, NMLS #1124061.

5.0

Awesome experience. So thankful for this opportunity we had to get our house refinanced. Thank you Erik!!

Sarah B.

Verified Customer

September 5, 2026

5.0

I have used Katie Lepley twice- for a loan to purchase a home and to refinance my condo. She is quick and efficient, very professional and really knows this business. She made the process (both times) so seamless and easy. She and her team kep…t me informed every step of the way. I would use her again and highly recommend her for all your loan needs.

Cindy G.

Verified Customer

October 9, 2026

5.0

Very kind and straight forward. Kept up communication and let us know everything we needed. Highly recommend and would go through her again if we ever need to refinance again.

Charles E.

Verified Customer

September 25, 2026

5.0

Katie Lepley made refinancing our home straightforward and stress-free. The initial document collection was easy to navigate, and we completed the signing process within 30 days. Katie guided me through every step and kept me informed about th…e progress she and her team at Lower.com were making. Their communication was excellent, and the entire team was professional and highly capable. I have confidently referred several friends and family members to Katie, knowing they will be in excellent hands.

Diane P.

Verified Customer

October 9, 2026

5.0

Sean was incredibly professional and friendly throughout our entire process. I was a FIRST time buyer and had an immense amount of questions that Sean was able to answer to put me at ease. For any of your mortgage questions or concerns I’d hi…ghly recommend working with Sean. I’ll be using him again the next time I buy or refinance!

Charles F.

Verified Customer

October 12, 2026

5.0

Stacey is a pleasure to work with. She kept me up to date and on track for my refiannce.

Joe C.

Verified Customer

August 5, 2026

5.0

I have worked with Ms. Bergen for the last 24 years, from buy a home to refinancing . She is wonderful, knowledgeable and has always been about our best interest. Will be looking forward to working with her again …on our retirement home. Thank you again!

David D.

Verified Customer

September 1, 2026

5.0

Rayma was so wonderful to work with! She was very professional, kind, and went above and beyond to provide us with information when asked, even if it meant working after hours. She answered all of our questions quickly. She was ensured every de…tail was taken care of from the beginning all the way to closing. She made this process as stress free as possible. When it is time to refinance or purchase, we will call on her again.

Jerry I.

Verified Customer

October 3, 2026

5.0

Tyler was great to work with throughout the entire process. He was very responsive, knowledgeable, and always took the time to answer my questions and keep me updated. The whole refinance process was smooth and straightforward. I really appreci…ate his help and would definitely recommend him. Thank you, Tyler!

Fouad Z.

Verified Customer

August 24, 2026

5.0

Cam did an amazing job explaining everything from day 1 and guiding us every step of the way. He was on top of things and ensured we never missed a task or action item or deadline. I appreciated how prompt Cam was in responding to any question,… even if it was after work hours. I would highly recommend Cam to anyone looking for a mortgage and if I ever feel the need to refinance, I'll reach out to Cam without any hesitation.

Atif M.

Verified Customer

August 14, 2026

5.0

Mike was absolutely great to work with! He made the refinance process easy and stress-free, was very professional, responsive, and always took the time to answer my questions. I truly appreciate his help and highly recommend Mike to anyone look…ing for someone trustworthy and knowledgeable.

Kris G.

Verified Customer

September 10, 2026

5.0

Katie did an amazing job helping us refinance our home almost 6 years ago. Her knowledge, professionalism and wonderful sense of humor made the process easy and stress free. The new loan made our dream of owning our home happen sooner, while s…aving money. I have and would recommend Katie to friends and family interested in buying a home for their first time or refinancing their current one.

Lynn W.

Verified Customer

October 9, 2026

Sarah B. rated Erik Gross 5.0 stars: Awesome experience. So thankful for this opportunity we had to get our house refinanced. Thank you Erik!! Cindy G. rated Katie Lepley 5.0 stars: I have used Katie Lepley twice- for a loan to purchase a home and to refinance my condo. She is quick and efficient, very professional and really knows this business. She made the process (both times) so seamless and easy. She and her team kept me informed every step of the way. I would use her again and highly recommend her for all your loan needs. Charles E. rated Joanie Neal 5.0 stars: Very kind and straight forward. Kept up communication and let us know everything we needed. Highly recommend and would go through her again if we ever need to refinance again. Diane P. rated Katie Lepley 5.0 stars: Katie Lepley made refinancing our home straightforward and stress-free. The initial document collection was easy to navigate, and we completed the signing process within 30 days. Katie guided me through every step and kept me informed about the progress she and her team at Lower.com were making. Their communication was excellent, and the entire team was professional and highly capable. I have confidently referred several friends and family members to Katie, knowing they will be in excellent hands. Charles F. rated Sean ONeil 5.0 stars: Sean was incredibly professional and friendly throughout our entire process. I was a FIRST time buyer and had an immense amount of questions that Sean was able to answer to put me at ease. For any of your mortgage questions or concerns I’d highly recommend working with Sean. I’ll be using him again the next time I buy or refinance! Joe C. rated Stacey Smith 5.0 stars: Stacey is a pleasure to work with. She kept me up to date and on track for my refiannce. David D. rated Leslie Bergen 5.0 stars: I have worked with Ms. Bergen for the last 24 years, from buy a home to refinancing . She is wonderful, knowledgeable and has always been about our best interest. Will be looking forward to working with her again on our retirement home. Thank you again! Jerry I. rated Rayma McGehee 5.0 stars: Rayma was so wonderful to work with! She was very professional, kind, and went above and beyond to provide us with information when asked, even if it meant working after hours. She answered all of our questions quickly. She was ensured every detail was taken care of from the beginning all the way to closing. She made this process as stress free as possible. When it is time to refinance or purchase, we will call on her again. Fouad Z. rated Tyler Helm 5.0 stars: Tyler was great to work with throughout the entire process. He was very responsive, knowledgeable, and always took the time to answer my questions and keep me updated. The whole refinance process was smooth and straightforward. I really appreciate his help and would definitely recommend him. Thank you, Tyler! Atif M. rated Cam Lewis 5.0 stars: Cam did an amazing job explaining everything from day 1 and guiding us every step of the way. He was on top of things and ensured we never missed a task or action item or deadline. I appreciated how prompt Cam was in responding to any question, even if it was after work hours. I would highly recommend Cam to anyone looking for a mortgage and if I ever feel the need to refinance, I'll reach out to Cam without any hesitation. Kris G. rated Mike Carey 5.0 stars: Mike was absolutely great to work with! He made the refinance process easy and stress-free, was very professional, responsive, and always took the time to answer my questions. I truly appreciate his help and highly recommend Mike to anyone looking for someone trustworthy and knowledgeable. Lynn W. rated Katie Lepley 5.0 stars: Katie did an amazing job helping us refinance our home almost 6 years ago. Her knowledge, professionalism and wonderful sense of humor made the process easy and stress free. The new loan made our dream of owning our home happen sooner, while saving money. I have and would recommend Katie to friends and family interested in buying a home for their first time or refinancing their current one.

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