%RefiCrunch REFI · POINTS · BREAK-EVEN · PMI · LTV

Mortgage & refinance worksheets

Run the refinance numbers
before you sign.

8 straight-talking calculators — break-even, discount points, extra payments, affordability, PMI drop-off and cash-out LTV. No email, instant answers, the real math.

Refinance

  1. 01 Refinance Break-EvenHow many months until a refinance pays back its closing costs. →
  2. 02 Points / Rate BuydownWhether paying discount points to lower your rate is worth it. →
  3. 03 Cash-Out Refi LTVMax cash you can pull while staying under a loan-to-value cap. →

Payment

  1. 04 Mortgage PaymentMonthly principal & interest, total paid and total interest. →
  2. 05 Extra Payment PayoffHow much an extra monthly payment shortens the loan and saves. →
  3. 06 Bi-Weekly PaymentsThe payoff and interest effect of paying half every two weeks. →

Qualifying

  1. 07 Home AffordabilityMax loan and home price from income, debts and a DTI target. →
  2. 08 PMI Drop-OffWhen your balance reaches 80% LTV and PMI can come off. →