Refinance Savings Checker

Estimate whether a refinance deserves a closer look.

Compare a current payment and debt picture against an estimated new loan structure. Results are educational planning estimates, not a quote or commitment to lend.

Current loan

Where things stand now

Estimated home value Current loan balance Current interest rate Remaining term Current monthly payment Monthly debts to pay off

New scenario

Estimated refinance structure

New loan amount Estimated new rate New term Estimated new escrow/MI Estimated closing costs Main refinance goal

Follow-up

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Anything I should know?

Estimated monthly cash-flow change $381 lower

Compares current monthly payment plus debts selected for payoff against the estimated new payment.

Estimated new payment $4,819

Estimated break-even 18 months

Estimated remaining equity $230,000

Suggested next step

Review the estimate, closing costs, timeline, and loan structure before deciding.

Estimated results only. This is not a loan estimate, quote, approval, or commitment to lend.

Calculator results are estimates for educational purposes only and are not a loan estimate, quote, pre-approval, approval, or commitment to lend. Actual payment, rate, APR, taxes, insurance, mortgage insurance, HOA dues, closing costs, cash to close, payoff amounts, equity, and eligibility may vary. All loans are subject to application, credit approval, underwriting approval, property eligibility, market conditions, program guidelines, and final investor approval.