Refinance Calculator
Compare your current mortgage vs refinance scenario to estimate payment change and break-even timing.
Configure your scenario
Compare current vs refinance mortgage to estimate savings.
$301
28.3 mo
$13,602
Detailed estimate
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Refinance - quick answers
What is break-even month?+
Break-even estimates how long monthly savings take to recover refinance closing costs.
Why can monthly payment drop but total interest rise?+
Extending loan term can reduce monthly payment while increasing total interest paid over time.
Official references
Sources & Act Reference
Refinance model references
Monthly savings approach
Payment comparison helps estimate short-run cash-flow impact from refinance.
Term sensitivity
Interest outcomes depend on both APR change and new loan term length.
Rule Trace
Applied rule and official references
Applied rule: break-even months = refinance costs / monthly savings
Official quick links
Compliance checklist
Validate lender APR, fees, prepaid items, and whether costs are paid upfront or financed.
Smart Insight
Estimated refinance break-even is about 28.3 months.
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