Renovation Financing Comparator Excel — HELOC vs Cash-Out Refinance vs Personal Loan vs 0% Card

Four common ways to finance a renovation, four very different true costs once you account for interest rates, closing costs, origination fees, and (for cash-out refinancing) the impact on your ENTIRE existing mortgage payment, not just the new amount. This spreadsheet models all four options side by side using your actual numbers, calculates the true total cost of each over your chosen payoff period, and identifies your cheapest option — including modeling the real risk of a 0% intro APR card reverting to a high rate if you don't pay it off in time.

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