Refinance Calculator – Conventional • FHA • VA

Refinance Calculator

Conventional, FHA, and VA. Accurate PMI/MIP rules, VA (IRRRL / Cash-out / Rate & Term), taxes, insurance, HOA, break-even, interest savings, and CSV.

Loan Inputs

Program Details

PMI is added monthly until balance reaches 78% of the original value (if enabled).

Current Loan (for comparison)

LTV: –

Results

New Monthly (P&I + MI + Escrow + HOA)

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Monthly Savings vs Current

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Break-Even (months)

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Closing costs ÷ monthly savings

Total Interest Savings

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Interest over full term vs remaining on current

Disclaimers: This tool is an estimate. PMI/MIP and VA Funding Fee rules vary by scenario and lender overlays. FHA MIP often lasts for the life of the loan when the down payment is under 10% (11 years at ≥10%). Conventional PMI generally auto-cancels at 78% LTV based on original value. Taxes, insurance, and HOA are estimates. This is not a credit decision or commitment to lend.

Payment Breakdown

Amortization Schedule (New Loan)

# Payment Principal Interest PMI/MIP Ending Balance

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