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VA Cash-Out Refinance

Guides on VA cash-out refinancing including Type I and Type II classifications, net tangible benefit tests, recoupment rules, and funding fee treatment.

VA Cash-Out Refinance Type I vs Type II: 2026 Net Tangible Benefit Rules Explained

VA Cash-Out Refinance

VA Cash-Out Refinance Type I vs Type II: 2026 Net Tangible Benefit Rules Explained

Compare VA cash-out Type I vs Type II in 2026: 36-month recoupment, 50/200 bps rate rules, the eight-point NTB test, and which path your refinance qualifies for.

Oct 28, 2026 · 8 min

Mortgage Refinancing BlogPlain-English Refi Guides

Independent mortgage refinancing education for U.S. homeowners. We explain the math; you make the call.

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Disclosure: Mortgage Refinancing Blog is an independent publisher. Content on this site is general education, not personalized financial, legal, or tax advice. If we introduce advertising in future, compensation will never influence our editorial conclusions. Confirm all loan terms with a licensed loan officer.

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