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Refinancing Analysis Calculator
This basic but detailed calculator lets you to estimate the savings from refinancing your current mortgage in a very precise fashion.
All main and auxiliary expenses can be accounted for.
Your savings from refinancing
What is your current monthly payment?
What is the balance left on your mortgage that you would refinance?
How many years are left on your current loan?
What is the interest rate on your current loan?
What would your new interest rate be if you refinanced?
What would the new term be if you refinanced?
Your savings from refinancing
How many points will be required by your lender for the new loan?
What is the application fee for a new loan?
How much will a credit check cost you?
What will your attorney fees be?
What attorney fees of the lenders will you be responsible for?
How much will a title search cost you?
How much will title insurance cost you?
What is the appraisal fee?
How much will inspections cost you?
What will your local fees be (taxes, transfers, etc.)?
Document preparation
Any additional fees that your lender will require?
Your savings from refinancing
If you refinanced, your new monthly payment would be
$
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Each month, your savings would be
$
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Your difference in total interest paid would be
$
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Your savings from refinancing
The cost of the points will be
$
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Refinancing will cost you
$
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Based on the monthly savings listed above, it will take you this many months to recoup your refinancing costs
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Disclaimer
The calculators at this site are designed to help you to understand the issues that need to be considered in determining the investment option or options suitable for you. However, the calculators should not be seen as a substitute for professional advice from a financial planner who takes into account your personal financial circumstances and needs. We strongly recommend that you discuss your requirements with a qualified financial adviser, who can take into account your personal financial position and can help you choose a strategy that suits your own personal circumstances.