Mortgage Refinance Rates in Cass County, North Dakota (2026)
Homeowners in Cass County — anchored by Cass County — are watching refinance rates closely. On a typical $164,000 balance, dropping from about 7.50% to 6.25% trims roughly $137 a month off principal and interest.
How much you could save near Cass County
The payment comparison below uses a typical $164,000 Cass County balance at example rates:
| Monthly Principal & Interest | Amount |
|---|---|
| Current loan at ~7.50% | $1,147 |
| After refinancing at ~6.25% | $1,010 |
| Estimated monthly savings | $137 |
These are example figures for Cass County; a lender will price your exact rate from your file. Get alerts when rates drop.
Savings by balance in Cass County
Bigger balances save more each month. Here is the same 7.50%-to-6.25% move across three Cass County loan sizes:
| Balance | Now (~7.50%) | Refi (~6.25%) | Monthly Saved |
|---|---|---|---|
| $115,000 | $804 | $708 | $96 |
| $164,000 | $1,147 | $1,010 | $137 |
| $221,000 | $1,545 | $1,361 | $185 |
Cass County refinance payments at today's rates
Here is the monthly principal and interest on a $164,000 Cass 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% | $931 | $1,340 |
| 5.75% | $957 | $1,362 |
| 6.00% | $983 | $1,384 |
| 6.25% | $1,010 | $1,406 |
| 6.50% | $1,037 | $1,429 |
| 6.75% | $1,064 | $1,451 |
| 7.00% | $1,091 | $1,474 |
A 15-year refinance of $164,000 near Cass County runs about $1,406/month versus $1,010 on a 30-year — a higher payment near Cass County but far less total interest over the life of the Cass County loan.
Tapping Cass County equity
Sitting on equity? A cash-out refinance in Cass County can go up to 80% of value — about $28,800 in your pocket on the numbers above — for renovations, debt payoff, or investing.
| Cash-Out Figure | Amount |
|---|---|
| Estimated home value | $241,000 |
| Typical current balance | $164,000 |
| 80% LTV ceiling (new loan) | $192,800 |
| Estimated cash available | $28,800 |
In Cass County, North Dakota, property taxes average roughly 0.98% of value, so escrow on a $241,000 home adds about $197/month beyond principal and interest. A $164,000 balance sits near 68% loan-to-value, leaving about $77,000 in equity — room for a rate-and-term refinance now and a cash-out later around Cass County.
Cass County loan limits for 2026
Refinances up to $806,500 are conforming in Cass County for 2026; larger balances become jumbo refinances with stricter equity and reserve rules.
- Cass County value about $241,000 with a $164,000 balance (~68% LTV).
- Monthly savings near $137; break-even around month 30 on $4,100 of costs.
- Five-year net of about $4,116 and cash-out room near $28,800.
- Conforming limit $806,500; current equity roughly $77,000 near Cass County.
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Frequently Asked Questions
- What could a refinance save me in Cass County?
- On a typical $164,000 balance, moving from about 7.50% to 6.25% saves roughly $137/month in principal and interest. Your savings depend on your current rate, balance, and term.
- What is my cash-out limit in Cass County?
- Conventional cash-out refinances are capped at 80% of appraised value. On an estimated $241,000 Cass County home with a $164,000 balance, that is about $28,800 in available cash.
- When does a Cass County refinance turn jumbo?
- The 2026 conforming limit is $806,500 for a one-unit home (the national baseline). Refinances above that are jumbo loans.
- How fast do I break even in Cass County?
- Divide your closing costs (about $4,100 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 Cass County-area home?
- On an estimated $241,000 value with a $164,000 balance, that is about $77,000 in equity — roughly 32%. A conventional cash-out requires you to keep 20%.
- Is now a good time to refinance in Cass 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 $164,000 Cass County balance, that move is worth roughly $137 a month.