Not sure if this is 100% helpful:
We purchased a house the other year in cash, then did renovations out of pocket, and were all in at $55k. We were able to get a loan for $25k afterwards to cash out (I didn't ask for more or less, so I don't know if both directions were feasible).
The rub: it's only a 7-year loan. There were different lengths, but I don't remember all the options. If I can dig them up I'll post them here for reference. I know none of them were for a full 30-year, I think 15 was the longest.