Refinance Calculator

Sample loan shown. Enter your own balance, rate, and payment on the left to see your numbers.

Your Current Loan

Principal Balance

From your latest statementCurrent Rate

Current Payment

P&I only (exclude escrow)Property Value

Credit Score780

580850

State

Estimated payoff$402,466

Balance + $2,466 accrued interest (30 days)

Est. close: Aug 7, 2026Hard costs: $2,014

Escrow & Insurance

Escrow for taxes/insurance?Most loans require escrow

Current Escrow Balance

Refunded when your old loan closesAnnual Property Tax

Colorado avg (0.55% of value)Annual Insurance

Homeowner's insurance premiumInsurance RenewalDue within 60 days of close? Paid at closing.

Tax due dates: Feb 28, Jun 15 (semi-annual)

Checking today's rate for this scenario…

Pulling today's rates...

Want cash out too? That's a different decision — compare keeping your rate + a 2nd lien vs. a cash-out refi →

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This calculator provides estimates for educational purposes only. Actual closing costs, lender credits, rates, escrow requirements, and insurance timing vary by lender, loan program, and market conditions. Licensed in CA, CO, OR, and TX. NMLS #1111861.