Refinance / Cash-Out Calculator

Calculate new loan terms, cash-out amount, and payment changes

Refinance Details

Enter current loan and new loan terms

Current Property Value *

Existing Loan Payoff Amount *

New Loan LTV (%) *

New Interest Rate (APR %) *

New Term (years) *

Refinance Closing Costs

Amount: $10,000

Cash Out

$65,000

New Loan Amount

$375,000

New Monthly P&I

$2,370

Detailed Breakdown

Existing Loan Payoff$300,000

Refinance Costs$10,000

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Refinance / Cash-Out Calculator Results
Generated: 12/16/2025, 3:57:40 PM

INPUTS:
  Current Value: 500000
  Existing Payoff: 300000
  New L T V: 75
  New Interest Rate: 6.5
  New Term Years: 30
  Refi Costs: 2
  Refi Costs Mode: percent
  Current Monthly P I: 

RESULTS:
  New Loan Amount: 375,000.00
  Cash Out: 65,000.00
  New Monthly P I: 2,370.26
  Payment Delta: null
  Break Even Months: null

ASSUMPTIONS:
  • New loan amount is based on current property value and LTV
  • Refinance costs are deducted from cash-out proceeds
  • Break-even calculation assumes constant payment savings
  • LTV over 80% may require additional insurance or higher rates

DISCLAIMER:
This calculation is for informational purposes only and does not constitute financial, legal, or tax advice.

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Refinance / Cash-Out Calculator

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Refinance / Cash-Out Calculator

Advanced Options

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Disclaimer