Mortgage Refinance Break-Even Calculator

Find out if refinancing makes sense and how long it takes to recoup your closing costs.

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Principal & interest only
Typically 2-5% of loan amount. Includes appraisal, origination, title, etc.

Refinance Analysis

New Monthly Payment
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Principal & interest
Monthly Savings
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Break-Even Point
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Loan Comparison

Current LoanNew Loan
Break-Even Timeline
Month 0
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Disclaimer: This tool is for informational and educational purposes only. It does not constitute financial, legal, tax, or professional advice. Results are estimates based on the information you provide and may not reflect actual costs, obligations, or outcomes. Consult a qualified professional before making decisions based on these calculations. StellarClose LLC is not liable for actions taken based on information provided by this tool.

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