Mortgage Refinance Rates in Kaufman County, Texas (2026)
If you own in Kaufman County or elsewhere in Kaufman County, Texas, a refinance could cut your payment by around $211/month — the gap between a ~7.50% rate and today's example 6.25% on a $253,000 loan.
Refinance savings in Kaufman County
Here is how a rate-and-term refinance changes the monthly payment on a representative Kaufman County balance:
| Payment | Per Month |
|---|---|
| Today (~7.50%) | $1,769 |
| Refinanced (~6.25%) | $1,558 |
| What you would save | $211 |
Illustrative only; the rate you are quoted near Kaufman County depends on your credit, equity, and the day you lock. Get alerts when rates drop.
Three Kaufman County-area balances compared
Bigger balances save more each month. Here is the same 7.50%-to-6.25% move across three Kaufman County loan sizes:
| Balance | Now (~7.50%) | Refi (~6.25%) | Monthly Saved |
|---|---|---|---|
| $177,000 | $1,238 | $1,090 | $148 |
| $253,000 | $1,769 | $1,558 | $211 |
| $342,000 | $2,391 | $2,106 | $286 |
What each rate costs near Kaufman County
Here is the monthly principal and interest on a $253,000 Kaufman 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% | $1,437 | $2,067 |
| 5.75% | $1,476 | $2,101 |
| 6.00% | $1,517 | $2,135 |
| 6.25% | $1,558 | $2,169 |
| 6.50% | $1,599 | $2,204 |
| 6.75% | $1,641 | $2,239 |
| 7.00% | $1,683 | $2,274 |
A 15-year refinance of $253,000 near Kaufman County runs about $2,169/month versus $1,558 on a 30-year — a higher payment near Kaufman County but far less total interest over the life of the Kaufman County loan.
Cash-out refinance in Kaufman County
With values near $372,000, an 80% cash-out leaves about $44,600 available in Kaufman County after paying off the current $253,000 balance.
| Cash-Out Figure | Amount |
|---|---|
| Appraised value (est.) | $372,000 |
| Balance you owe now | $253,000 |
| Max new loan at 80% LTV | $297,600 |
| Cash you could pull out | $44,600 |
In Kaufman County, Texas, property taxes average roughly 1.68% of value, so escrow on a $372,000 home adds about $521/month beyond principal and interest. A $253,000 balance sits near 68% loan-to-value, leaving about $119,000 in equity — room for a rate-and-term refinance now and a cash-out later around Kaufman County.
Kaufman County loan limits for 2026
Kaufman County's 2026 conforming limit is $806,500 for a single-family home — the national baseline used across most of the South. Refinance a balance above it and you are in jumbo territory, which carries its own rates and guidelines.
- Kaufman County value about $372,000 with a $253,000 balance (~68% LTV).
- Monthly savings near $211; break-even around month 30 on $6,325 of costs.
- Five-year net of about $6,350 and cash-out room near $44,600.
- Conforming limit $806,500; current equity roughly $119,000 near Kaufman County.
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Frequently Asked Questions
- How much can I save refinancing in Kaufman County in 2026?
- On a typical $253,000 balance, moving from about 7.50% to 6.25% saves roughly $211/month in principal and interest. Your savings depend on your current rate, balance, and term.
- How much cash can I take out of my Kaufman County-area home?
- Conventional cash-out refinances are capped at 80% of appraised value. On an estimated $372,000 Kaufman County home with a $253,000 balance, that is about $44,600 in available cash.
- What is the conforming loan limit in Kaufman County for 2026?
- The 2026 conforming limit is $806,500 for a one-unit home (the national baseline). Refinances above that are jumbo loans.
- When does a refinance pay off in Kaufman County?
- Divide your closing costs (about $6,325 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 Kaufman County-area home?
- On an estimated $372,000 value with a $253,000 balance, that is about $119,000 in equity — roughly 32%. A conventional cash-out requires you to keep 20%.
- Is now a good time to refinance in Kaufman 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 $253,000 Kaufman County balance, that move is worth roughly $211 a month.