Mortgage Refinance Rates in Denver County, Colorado (2026)
For Denver County homeowners, the refinance question in 2026 is simple: on a $394,000 balance, a move from 7.50% down to 6.25% frees up roughly $329 every month — and equity near Denver County opens cash-out room too.
Denver County rate-and-term refinance
On a representative $394,000 loan in Denver County, the before-and-after looks like this:
| Payment | Per Month |
|---|---|
| Today (~7.50%) | $2,755 |
| Refinanced (~6.25%) | $2,426 |
| What you would save | $329 |
Figures assume a 30-year term and Colorado escrows — your actual numbers move with your credit and loan size. Get alerts when rates drop.
Denver County refinance by loan size
Bigger balances save more each month. Here is the same 7.50%-to-6.25% move across three Denver County loan sizes:
| Balance | Now (~7.50%) | Refi (~6.25%) | Monthly Saved |
|---|---|---|---|
| $276,000 | $1,930 | $1,699 | $230 |
| $394,000 | $2,755 | $2,426 | $329 |
| $532,000 | $3,720 | $3,276 | $444 |
Denver County payment by interest rate
Here is the monthly principal and interest on a $394,000 Denver County balance at a range of rates, for both 30- and 15-year terms:
| Rate | 30-yr P&I | 15-yr P&I |
|---|---|---|
| 5.50% | $2,237 | $3,219 |
| 5.75% | $2,299 | $3,272 |
| 6.00% | $2,362 | $3,325 |
| 6.25% | $2,426 | $3,378 |
| 6.50% | $2,490 | $3,432 |
| 6.75% | $2,555 | $3,487 |
| 7.00% | $2,621 | $3,541 |
A 15-year refinance of $394,000 near Denver County runs about $3,378/month versus $2,426 on a 30-year — a higher payment near Denver County but far less total interest over the life of the Denver County loan.
Denver County cash-out options
Need cash for a project near Denver County? An 80%-LTV cash-out refinance frees up about $70,000 of your Denver County equity in a single new loan.
| Cash-Out Figure | Amount |
|---|---|
| Appraised value (est.) | $580,000 |
| Balance you owe now | $394,000 |
| Max new loan at 80% LTV | $464,000 |
| Cash you could pull out | $70,000 |
In Denver County, Colorado, property taxes average roughly 0.51% of value, so escrow on a $580,000 home adds about $247/month beyond principal and interest. A $394,000 balance sits near 68% loan-to-value, leaving about $186,000 in equity — room for a rate-and-term refinance now and a cash-out later around Denver County.
Denver County loan limits for 2026
Refinances up to $893,000 are conforming in Denver County for 2026 (a high-cost limit); larger balances become jumbo refinances with stricter equity and reserve rules.
- Denver County value about $580,000 with a $394,000 balance (~68% LTV).
- Monthly savings near $329; break-even around month 30 on $9,850 of costs.
- Five-year net of about $9,889 and cash-out room near $70,000.
- Conforming limit $893,000; current equity roughly $186,000 near Denver County.
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Frequently Asked Questions
- What could a refinance save me in Denver County?
- On a typical $394,000 balance, moving from about 7.50% to 6.25% saves roughly $329/month in principal and interest. Your savings depend on your current rate, balance, and term.
- What is my cash-out limit in Denver County?
- Conventional cash-out refinances are capped at 80% of appraised value. On an estimated $580,000 Denver County home with a $394,000 balance, that is about $70,000 in available cash.
- When does a Denver County refinance turn jumbo?
- The 2026 conforming limit is $893,000 for a one-unit home (a high-cost county above the $806,500 baseline). Refinances above that are jumbo loans.
- How fast do I break even in Denver County?
- Divide your closing costs (about $9,850 here) by your monthly savings. In this example you break even near month 30 — refinance only if you will keep the home past that.
- How much equity is in a typical Denver County-area home?
- On an estimated $580,000 value with a $394,000 balance, that is about $186,000 in equity — roughly 32%. A conventional cash-out requires you to keep 20%.
- Is now a good time to refinance in Denver County?
- A common rule of thumb: refinance when you can cut your rate by about 0.75 to 1% and stay past your break-even (near month 30 here). On a $394,000 Denver County balance, that move is worth roughly $329 a month.