Three refinance scenarios, side by side. Edit any number in any column and everything recalculates instantly — new loan amount, LTV, APR, new payment, monthly savings, and your break-even point.
Loan Comparison
Option A
Option B
Option C
The Numbers
Appraised Home ValueCurrent market value
$
$
$
Current Loan BalancePayoff amount
$
$
$
Loan Sizing MethodWhat drives the new loan
Cash-Out AmountAlways computed — see sizing method
$0
$0
$0
Est. Closing CostsRolled into new loan
$
$
$
Buy-Down PointsPaid to lower the rate
$
$
$
New Loan AmountEditable if sizing = Loan Amount
$
$0
$
$0
$
$0
Loan-to-Value (LTV)Editable if sizing = LTV %
%
0%
%
0%
%
0%
Loan Term & TypeAffects payment
New Interest RateNote rate
%
%
%
APRTrue cost incl. costs
0%
0%
0%
PMI / MIPMonthly, if any
$/mo
$/mo
$/mo
Property TaxesMonthly escrow
$/mo
$/mo
$/mo
Homeowner's InsuranceMonthly escrow (HOI)
$/mo
$/mo
$/mo
New Payment & Savings
New Monthly PaymentP&I + taxes + HOI + PMI
$0
$0
$0
Current Monthly PaymentWhat you pay now (PITI)
$/mo
$/mo
$/mo
Monthly SavingsCurrent − new payment
$0
$0
$0
Cost to Refinance & Break-Even
Est. Prepaid ItemsNew escrow: taxes, insurance, interest
$
$
$
Lender CreditsReduces your costs
$
$
$
Total Cost to RefinanceClosing + points + prepaids − credits
$0
$0
$0
Break-Even PointCost ÷ monthly savings
—
—
—
Cash Out to YouEquity you receive
$0
$0
$0
Auto-saves as you type
Your numbers auto-save to this page's address as you go — reopening this exact page brings them back. Click "Save My Copy" anytime to download a personal copy of this tool with today's numbers already filled in, so you (or your client) can reopen it later, even offline.
This comparison provides estimates for educational purposes only and is not a loan commitment, pre-approval, or offer to refinance. New monthly payment shown includes principal, interest, property taxes, homeowner's insurance, and mortgage insurance (PITI) based on the figures you enter. The new loan amount assumes closing costs and points are financed into the loan; APR and break-even reflect those costs. Break-even is your total refinance cost divided by your monthly savings. Actual figures vary by location, credit profile, loan program, and lender. Refinancing extends or resets your loan term, which may increase total interest paid over time. Contact a licensed mortgage professional for a personalized, accurate assessment. Equal Housing Lender.