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Refinance Calculator
Compare your current mortgage to a refinanced loan — results update as you type. See how a different rate and term could change your monthly payment, total cost, and how long until you break even on closing costs.
Your Current Loan
Current Payment$2,528
Current Balance$385,669
Time Elapsed3y
Remaining Term27y
Refinance Options
Side-by-Side Comparison
Current
Refinanced
Monthly Payment
$2,528
$2,342
Remaining Term
27y
30y
Total Remaining Cost
$819,160
$843,213
Total Remaining Interest
$433,491
$452,544
Monthly Savings$186/mo
Lifetime Savings (or More?)$24,053 more
Break-even Point2y 3m
Closing Costs$5,000 (rolled into loan)
These figures are estimates for informational purposes only. Actual payments and savings may vary based on lender terms, taxes, insurance, and fees. Contact us for personalized guidance.