Refinance Calculator

See how much you could save by refinancing your mortgage. Calculate your new payment, savings, and break-even point.

Current Loan Information

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New Loan Information

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Typically 2-5% of loan amount

Monthly Savings $234

Payment Comparison

Current Payment $2,237
New Payment $1,970

Refinance Analysis

Break-Even Point 26 months
Lifetime Savings $84,240
Total Current Cost $751,584
Total New Cost $709,200
Estimated result

Based on the figures you entered, closing costs would be recovered in 26 months, with an estimated difference of $84,240 in total cost over the life of the loan. By refinancing your loan, your total finance charges may be higher over the life of the loan.

This calculator is for estimation purposes, only. This is not a commitment to lend.

Important disclosures and payment example

This calculator is for estimation purposes, only. Results do not reflect all loan programs and are subject to individual program loan limits. Qualification, rates, and payments will vary based on timing and individual circumstances. One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. This is not a commitment to lend. Here's a payment example based on an average home price and the most common loan type:

  • Sale Price: $502,700
  • Down Payment (20%): $100,540
  • Loan Amount: $402,160
  • Loan Type: 30 Year Fixed
  • Interest Rate: _____% (_____% APR)
  • Points: _____
  • Monthly Payment: $_____

By refinancing your loan, your total finance charges may be higher over the life of the loan.

Get Your Personalized Rate

Ready to Refinance?

Get a personalized rate quote from our refinance specialists.