Calculate how long mortgage savings take to recover refinance closing costs.
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Access to Refinance Break-Even Analysis only.
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Compare a refinance offer with your current mortgage before deciding if the costs may pay off. Enter your current and proposed payments, closing costs, and expected time in the home. Get the estimated break-even month, the calculation behind it, and a side-by-side comparison of loan scenarios, including how a different rate, term, or move date changes the estimate.
Include both monthly payments, total closing costs—including any fees rolled into the loan—and how long you expect to keep the home. If available, add the remaining term and proposed loan term to reveal payment savings that may come from extending the loan.
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A few requests this Agent can handle.
My current payment is $2,140, the new payment would be $1,980, and closing costs are $4,800. Calculate the break-even month and show the math.
Compare these offers: current mortgage balance $310,000 at 6.8% with 24 years left; offer A is 6.1% for 30 years with $6,200 costs; offer B is 5.9% for 15 years with $5,500 costs.
I may sell in four years. My current payment is $2,300, the refinance payment is $2,080, and estimated fees are $7,000. Do the savings recover the costs by then?
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Payments are generally non-refundable after access is activated, including for disliked, inaccurate, or unsuitable responses. Cancellation stops future renewals; it does not request a refund. Your legal rights still apply. Read the billing and cancellation policy
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