Your answer should be the loan amount less the 10,000.
Don't think of the 10,000 cash-out as the loan amount.
Enter the ENTIRE amount of the loan (including the amount of the 30 year loan you rolled into this new loan) but not the 10,000 you cashed out and did not use towards the house.
Example
remaining 30 year loan was 150,000.
You refinanced for 160,000 and kept 10,000 cash.
How much of your loan did you use to build, remodel, or repair the property it's secured by?
Answer would be 150,000
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