Utah Cash-Out Refinance Rates Today

See current cash-out refinance rates in UT, 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	6.625%	7.474%	1.999	$2,280
VA 30-Year Fixed	6.500%	6.937%	2.141	$2,239
Conventional 15-Year Fixed	6.490%	6.973%	1.961	$3,046
Conventional 30-Year Fixed	7.000%	7.290%	1.801	$2,328
Jumbo 30-Year Fixed	6.875%	7.119%	2.250	$6,240

Loan Type	Rate	APR	Points	Est. Monthly Payment
FHA 30-Year Refinance	6.875%	7.759%	2.018	$2,339
VA 30-Year Refinance	6.875%	7.228%	2.305	$2,310
Conventional 15-Year Refinance	6.490%	7.076%	2.381	$3,046
Conventional 30-Year Refinance	7.125%	7.476%	2.152	$2,358
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%	7.768%	2.343	$2,072

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 7.474% APR and $2,280 monthly payment at 70% loan-to-value (LTV) and 1.999 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 6.937% APR and $2,239 monthly payment at 70% loan-to-value (LTV) and 2.141 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 6.973% APR and $3,046 monthly payment at 70% loan-to-value (LTV) and 1.961 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 7.290% APR and $2,328 monthly payment at 70% loan-to-value (LTV) and 1.801 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 7.759% APR and $2,339 monthly payment at 70% loan-to-value (LTV) and 2.018 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 7.228% APR and $2,310 monthly payment at 70% loan-to-value (LTV) and 2.305 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 7.076% APR and $3,046 monthly payment at 70% loan-to-value (LTV) and 2.381 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 7.476% APR and $2,358 monthly payment at 70% loan-to-value (LTV) and 2.152 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 7.768% APR and $2,072 monthly payment at 70% loan-to-value (LTV) and 2.343 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 Utah home price: $537,600 · Avg Utah property tax: 0.59%

Cash-out refinances in Utah: Lower’s 30-year fixed cash-out rate today is 7.375% (7.768% APR) with 2.343 discount points, quoted at 70% of your home’s value. On a typical Utah home worth $537,600, that’s a new loan of about $376,320. These figures use a typical Utah 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 Utah homeowners gained?

+1.1%Utah home prices, past year

+24.0%Utah home prices, past 5 years

$104,200Est. equity from price growth over 5 years on a $537,600 home

Utah home prices rose 24.0% over the five years through the second quarter of 2026 and rose 1.1% over the past year, according to the Federal Housing Finance Agency’s House Price Index. That ranks Utah 39th among the 50 states and Washington, DC for price growth over the past year. If a home worth Utah’s typical home price of $537,600 kept pace with the index, it was worth about $433,400 five years ago. That’s about $104,200 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 Utah?

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 Utah home worth $537,600, depending on what you still owe.

Estimated cash before closing costs on a $537,600 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 $376,320 (70% of value)
20% of value ($108,000)	$268,320
30% of value ($161,000)	$215,320
40% of value ($215,000)	$161,320
50% of value ($269,000)	$107,320

Try your own numbers

Home value What you owe

New loan at 70% of value: $376,320

Estimated cash before closing costs: $161,320

Estimated monthly principal and interest at 7.375% (7.768% APR): $2,599

How we got these numbers: The home value is the typical Utah 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 Utah’s largest cities

Home prices, property taxes and insurance vary from city to city across Utah. Here’s a cash-out refinance at 70% of value on a median-priced home in Utah’s 6 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
Salt Lake City	$566,000	$396,200	$2,736
Provo	$539,900	$377,930	$2,610
St. George	$574,900	$402,430	$2,779
Orem	$525,000	$367,500	$2,538
Lehi	$649,990	$454,993	$3,142
Ogden	$370,000	$259,000	$1,788

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% (7.768% APR) over 30 years. The cash you’d get is the new loan minus what you still owe, before closing costs.

Utah cash-out refinance payment examples

Estimated monthly principal and interest on a 30-year fixed cash-out refinance at today’s Utah rate of 7.375% (7.768% APR), by new loan amount.

Monthly principal and interest by new loan amount, at 7.375% (7.768% APR), rates as of November 3, 2026.

New loan amount	30-year fixed at 7.375% (7.768% 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 2.343 discount points, or about $7,029 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 · Utah HELOC rates · cash-out refinance rates in every state.

Frequently Asked Questions

Can I get a cash-out refinance in Utah?

Yes. Lower offers cash-out refinances in Utah. 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 Utah today?

Lower’s 30-year Utah cash-out refinance rate as of November 3, 2026 is 7.375% (7.768% APR) with 2.343 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 Utah?

Conventional cash-out refinances on a one-unit primary home generally top out at 80% of the home’s value. For example, on a $537,600 home where you owe $215,000, a new loan at 70% of the value ($376,320) would leave about $161,320 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 Utah home price of $537,600 is the average of the median sale prices in Utah’s 6 largest cities, rounded to the nearest $100: Salt Lake City ($566,000), Provo ($539,900), St. George ($574,900), Orem ($525,000), Lehi ($649,990) and Ogden ($370,000). 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. Property tax estimates use local effective tax rates and homeowners insurance estimates are average annual premiums, averaged across those cities (or statewide where a city figure isn’t available); your quote will vary. 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.

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