These loans allow you to access up to 100% of your home’s equity. Maybe you’d like to pay off credit card debt. Do some home improvements, or simply replenish your savings account for an upcoming purchase. The VA cash out refinance gives you more borrowing power than FHA, conventional or USDA loans. You can get up to 100% of the equity in your house using VA financing, while the FHA only gives you access to 85% of the value of your home and 80% is the limit for conventional loans.