Thinking About Refinancing? Explore refinance solutions with DC Lending’s local mortgage experts.
View Refinance Options

Refinance Break-Even Calculator Calculator

Use our Refinance Break-Even Calculator to estimate how long it may take to recover refinancing costs and determine if refinancing makes financial sense.

Current Mortgage

Monthly P&I: $0
From your latest statement
$
%
yrs

New Loan

Monthly P&I: $0
%

Refinance Costs

Total: $0
Lender & title fees
$
% of loan
pts
Sell or refinance again
yrs
A refinance only pays off if you keep the new loan longer than the break-even point. If you expect to sell, move or refinance again before then, the upfront costs may outweigh the monthly savings.
How it's calculated: break-even is your total refinance costs (closing costs plus any discount points) divided by your monthly principal and interest savings. Taxes, insurance and HOA dues usually stay the same and are not included. When costs are rolled into the loan, they raise the new balance and payment instead of being paid at closing. Restarting a longer term can lower your payment while increasing total interest paid.

Break-Even Point

0

months —

Time for monthly savings to recover the cost of refinancing.

0 2 yrs 4 yrs 7 yrs 10 yrs+
Your planned stay
Monthly Savings
$0
0.00% rate drop

Refinance Summary

Current Monthly P&I $0
New Monthly P&I $0
New Loan Amount $0
Total Refinance Costs $0
Interest Left on Current Loan $0
Total Interest on New Loan $0
Lifetime Interest Saved $0

Net Savings Over Time

After 1 year $0
After 3 years $0
After 5 years $0
Your planned stay $0
Refinance Assessment
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Get a Refinance Quote

Estimate only. Principal and interest only; actual rates, closing costs and savings depend on credit, property, loan program and lender. Not a commitment to lend.

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