Home Equity
Cash-Out Refinance in Georgia
Published September 24, 2026 · Last updated September 30, 2026
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The short answer
In Georgia, the first number to check on a cash-out refinance is the intangible recording tax. It applies to a typical long-term replacement mortgage at $1.50 per $500, or 0.3%, with a $25,000 cap per note. The refinance pays off your old mortgage, adds the cash you take out and starts a new repayment schedule.
The amount subject to tax can change if you stay with your current lender and the loan papers identify the unpaid balance being refinanced. That does not make the rest of the loan free of costs. Your home backs the debt, and you could lose it if you cannot repay.
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Georgia's intangible recording tax
Rate. $1.50 for each $500 of the loan.
Cap. $25,000 per note.
Applies to. Long-term notes, meaning those with any part due more than 62 months after signing (since July 1, 2025). A typical 15- or 30-year mortgage counts.
Who pays. The tax is on the lender, but it can be passed on to you. Most borrowers see it as a closing cost.
New lender vs. same lender
New lender. The tax is usually due on the whole new loan. A new $300,000 mortgage would mean about $900 in intangible tax.
Same lender. When you refinance with your current lender, Georgia doesn't tax the part of the new loan that just refinances your unpaid balance. The loan papers have to state that amount. So if you owe $250,000 and refinance to $300,000 with the same lender, the tax would apply to the $50,000 of new money, about $150.
The examples differ by $750 in Georgia tax. Ask your lender to show the unpaid balance, the added borrowing and the tax calculation on the loan documents.
The big thing to check first
Look past the new monthly payment. A fresh 30-year term may lower what you pay each month while stretching out interest for years longer. If your old rate is lower, the new rate also affects every dollar you still owe on your first mortgage.
If keeping your first mortgage matters, compare a separate Georgia home equity loan or HELOC. A new $50,000 home equity loan would have about $150 in Georgia intangible tax. Compare its own rate, fees and payment alongside the refinance's total cost.
What a Georgia cash-out refinance costs
Price range
Your new rate, payment and loan term depend on a lender's offer, not a state average. Get written Loan Estimates for the options you are weighing and check both the monthly payment and the total cost.
Not a quote, offer or approval. AssistQuote is not a lender.
On the Loan Estimate, look for lender fees, appraisal, title insurance and recording costs as well as the intangible tax. If those charges are financed, you may not bring cash for them at closing, but they increase what you owe. Ask what any discount points buy you and how long you expect to keep the loan.
What to ask before you choose
- "Does the loan document state my unpaid balance for Georgia's refinancing tax rule?"
- "How much of the new loan is subject to intangible tax, and where is it on the Loan Estimate?"
- "How many years will I add to my payoff schedule?"
- "What is the total interest if I make only the required payments?"
- "Could a separate home equity loan leave my first mortgage in place for less total cost?"
The Georgia takeaway: a lower tax with your current lender is useful, but it cannot tell you whether refinancing is cheaper. Compare the years left on your current mortgage with the new term and total interest, not only the cash you receive.
Keep reading
Compare a Georgia home equity loan, a HELOC, or a home equity investment. Your lender will require Georgia homeowners insurance.
More Georgia guides: Georgia homeowners insurance · Georgia car insurance · Georgia roofing · Georgia home equity loans · Atlanta car insurance
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