Refinance Calculator
Four ways to structure a refinance — same borrower, same rate drop, different trade-offs. Enter your numbers and see how the cash flow actually works.
Your Current Loan
Escrow & Insurance
Tax due dates in Colorado: Mar 1, Jun 15 (semi-annual)
New Rate
Closing Cost Breakdown
These numbers feed into each strategy belowCash Flow Back (within 30 days)
Balance-to-Balance
New loan = payoffCash to close comes back: $2,661 skipped payment + $4,200 escrow refund = $6,861
Roll Everything In
Zero out of pocketZero out of pocket. You keep $6,861 (skipped payment + escrow refund).
Split the Difference
Balanced approachRate bumped 0.125% to generate $1,509 additional credit. $1,160 still due at close.
Buy the Rate Down
Lowest payment1 point ($4,025) buys rate down 0.250%. Cash to close includes points + soft costs.
How to read this: All four options start from the same rate drop. The difference is how you handle closing costs — who pays, and where the money comes from.
Balance-to-balance means your new loan equals your current payoff — you don't add to your debt. Roll everything in maximizes cash freedom. Split the difference finds the middle ground. Buy the rate down trades upfront cash for the lowest possible payment.
“Net out-of-pocket” accounts for the skipped payment and escrow refund you receive within ~30 days of closing. This is the real number — not the Loan Estimate “cash to close” that scares most borrowers away. Read the full playbook for how the cash flow works.
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.