VA Mortgage Refinance Calculator

Refinance Rates Mortgage Rates HELOC Rates

Looking to refinance your VA loan? Use the VA refinance calculator to calculate the costs of refinancing a VA mortgage, and whether it is a good idea to refinance with the new terms.

VA Refinance Calculator
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VA Refinance Calculator
New Monthly Payment:
 $1,151.33
Payoff Date:
 Jul, 2040
Closing Cost:
 $5,500.00
Other Expenses:
 $0.00
Interest Savings:
 $51,214.55
Total Savings:
 $45,714.55

VA Refinance Amortization Schedule
Payment Date Payment # Interest Paid Principal Paid Total Payment Remaining Balance
Aug, 2025 1 $568.75 $582.58 $1,151.33 $149,417.42
Sep, 2025 2 $566.54 $584.79 $1,151.33 $148,832.64
Oct, 2025 3 $564.32 $587.00 $1,151.33 $148,245.63
Nov, 2025 4 $562.10 $589.23 $1,151.33 $147,656.41
Dec, 2025 5 $559.86 $591.46 $1,151.33 $147,064.94
Jan, 2026 6 $557.62 $593.71 $1,151.33 $146,471.24
Feb, 2026 7 $555.37 $595.96 $1,151.33 $145,875.28
Mar, 2026 8 $553.11 $598.22 $1,151.33 $145,277.06
Apr, 2026 9 $550.84 $600.48 $1,151.33 $144,676.58
May, 2026 10 $548.57 $602.76 $1,151.33 $144,073.82
Jun, 2026 11 $546.28 $605.05 $1,151.33 $143,468.77
Jul, 2026 12 $543.99 $607.34 $1,151.33 $142,861.43
Aug, 2026 13 $541.68 $609.64 $1,151.33 $142,251.79
Sep, 2026 14 $539.37 $611.96 $1,151.33 $141,639.83
Oct, 2026 15 $537.05 $614.28 $1,151.33 $141,025.56
Nov, 2026 16 $534.72 $616.60 $1,151.33 $140,408.95
Dec, 2026 17 $532.38 $618.94 $1,151.33 $139,790.01
Jan, 2027 18 $530.04 $621.29 $1,151.33 $139,168.72
Feb, 2027 19 $527.68 $623.65 $1,151.33 $138,545.07
Mar, 2027 20 $525.32 $626.01 $1,151.33 $137,919.06
Apr, 2027 21 $522.94 $628.38 $1,151.33 $137,290.68
May, 2027 22 $520.56 $630.77 $1,151.33 $136,659.91
Jun, 2027 23 $518.17 $633.16 $1,151.33 $136,026.76
Jul, 2027 24 $515.77 $635.56 $1,151.33 $135,391.20
Aug, 2027 25 $513.36 $637.97 $1,151.33 $134,753.23
Sep, 2027 26 $510.94 $640.39 $1,151.33 $134,112.84
Oct, 2027 27 $508.51 $642.82 $1,151.33 $133,470.03
Nov, 2027 28 $506.07 $645.25 $1,151.33 $132,824.77
Dec, 2027 29 $503.63 $647.70 $1,151.33 $132,177.07
Jan, 2028 30 $501.17 $650.16 $1,151.33 $131,526.92
Feb, 2028 31 $498.71 $652.62 $1,151.33 $130,874.30
Mar, 2028 32 $496.23 $655.09 $1,151.33 $130,219.20
Apr, 2028 33 $493.75 $657.58 $1,151.33 $129,561.62
May, 2028 34 $491.25 $660.07 $1,151.33 $128,901.55
Jun, 2028 35 $488.75 $662.57 $1,151.33 $128,238.98
Jul, 2028 36 $486.24 $665.09 $1,151.33 $127,573.89
Aug, 2028 37 $483.72 $667.61 $1,151.33 $126,906.28
Sep, 2028 38 $481.19 $670.14 $1,151.33 $126,236.14
Oct, 2028 39 $478.65 $672.68 $1,151.33 $125,563.46
Nov, 2028 40 $476.09 $675.23 $1,151.33 $124,888.23
Dec, 2028 41 $473.53 $677.79 $1,151.33 $124,210.44
Jan, 2029 42 $470.96 $680.36 $1,151.33 $123,530.07
Feb, 2029 43 $468.38 $682.94 $1,151.33 $122,847.13
Mar, 2029 44 $465.80 $685.53 $1,151.33 $122,161.60
Apr, 2029 45 $463.20 $688.13 $1,151.33 $121,473.47
May, 2029 46 $460.59 $690.74 $1,151.33 $120,782.73
Jun, 2029 47 $457.97 $693.36 $1,151.33 $120,089.37
Jul, 2029 48 $455.34 $695.99 $1,151.33 $119,393.38
Aug, 2029 49 $452.70 $698.63 $1,151.33 $118,694.76
Sep, 2029 50 $450.05 $701.28 $1,151.33 $117,993.48
Oct, 2029 51 $447.39 $703.93 $1,151.33 $117,289.55
Nov, 2029 52 $444.72 $706.60 $1,151.33 $116,582.94
Dec, 2029 53 $442.04 $709.28 $1,151.33 $115,873.66
Jan, 2030 54 $439.35 $711.97 $1,151.33 $115,161.69
Feb, 2030 55 $436.65 $714.67 $1,151.33 $114,447.01
Mar, 2030 56 $433.94 $717.38 $1,151.33 $113,729.63
Apr, 2030 57 $431.22 $720.10 $1,151.33 $113,009.53
May, 2030 58 $428.49 $722.83 $1,151.33 $112,286.70
Jun, 2030 59 $425.75 $725.57 $1,151.33 $111,561.13
Jul, 2030 60 $423.00 $728.32 $1,151.33 $110,832.80
Aug, 2030 61 $420.24 $731.09 $1,151.33 $110,101.72
Sep, 2030 62 $417.47 $733.86 $1,151.33 $109,367.86
Oct, 2030 63 $414.69 $736.64 $1,151.33 $108,631.22
Nov, 2030 64 $411.89 $739.43 $1,151.33 $107,891.78
Dec, 2030 65 $409.09 $742.24 $1,151.33 $107,149.55
Jan, 2031 66 $406.28 $745.05 $1,151.33 $106,404.50
Feb, 2031 67 $403.45 $747.88 $1,151.33 $105,656.62
Mar, 2031 68 $400.61 $750.71 $1,151.33 $104,905.91
Apr, 2031 69 $397.77 $753.56 $1,151.33 $104,152.35
May, 2031 70 $394.91 $756.42 $1,151.33 $103,395.93
Jun, 2031 71 $392.04 $759.28 $1,151.33 $102,636.65
Jul, 2031 72 $389.16 $762.16 $1,151.33 $101,874.49
Aug, 2031 73 $386.27 $765.05 $1,151.33 $101,109.43
Sep, 2031 74 $383.37 $767.95 $1,151.33 $100,341.48
Oct, 2031 75 $380.46 $770.87 $1,151.33 $99,570.62
Nov, 2031 76 $377.54 $773.79 $1,151.33 $98,796.83
Dec, 2031 77 $374.60 $776.72 $1,151.33 $98,020.11
Jan, 2032 78 $371.66 $779.67 $1,151.33 $97,240.44
Feb, 2032 79 $368.70 $782.62 $1,151.33 $96,457.82
Mar, 2032 80 $365.74 $785.59 $1,151.33 $95,672.22
Apr, 2032 81 $362.76 $788.57 $1,151.33 $94,883.65
May, 2032 82 $359.77 $791.56 $1,151.33 $94,092.10
Jun, 2032 83 $356.77 $794.56 $1,151.33 $93,297.53
Jul, 2032 84 $353.75 $797.57 $1,151.33 $92,499.96
Aug, 2032 85 $350.73 $800.60 $1,151.33 $91,699.36
Sep, 2032 86 $347.69 $803.63 $1,151.33 $90,895.73
Oct, 2032 87 $344.65 $806.68 $1,151.33 $90,089.05
Nov, 2032 88 $341.59 $809.74 $1,151.33 $89,279.31
Dec, 2032 89 $338.52 $812.81 $1,151.33 $88,466.50
Jan, 2033 90 $335.44 $815.89 $1,151.33 $87,650.61
Feb, 2033 91 $332.34 $818.98 $1,151.33 $86,831.63
Mar, 2033 92 $329.24 $822.09 $1,151.33 $86,009.53
Apr, 2033 93 $326.12 $825.21 $1,151.33 $85,184.33
May, 2033 94 $322.99 $828.34 $1,151.33 $84,355.99
Jun, 2033 95 $319.85 $831.48 $1,151.33 $83,524.51
Jul, 2033 96 $316.70 $834.63 $1,151.33 $82,689.89
Aug, 2033 97 $313.53 $837.79 $1,151.33 $81,852.09
Sep, 2033 98 $310.36 $840.97 $1,151.33 $81,011.12
Oct, 2033 99 $307.17 $844.16 $1,151.33 $80,166.96
Nov, 2033 100 $303.97 $847.36 $1,151.33 $79,319.60
Dec, 2033 101 $300.75 $850.57 $1,151.33 $78,469.03
Jan, 2034 102 $297.53 $853.80 $1,151.33 $77,615.23
Feb, 2034 103 $294.29 $857.04 $1,151.33 $76,758.19
Mar, 2034 104 $291.04 $860.29 $1,151.33 $75,897.91
Apr, 2034 105 $287.78 $863.55 $1,151.33 $75,034.36
May, 2034 106 $284.51 $866.82 $1,151.33 $74,167.54
Jun, 2034 107 $281.22 $870.11 $1,151.33 $73,297.43
Jul, 2034 108 $277.92 $873.41 $1,151.33 $72,424.02
Aug, 2034 109 $274.61 $876.72 $1,151.33 $71,547.30
Sep, 2034 110 $271.28 $880.04 $1,151.33 $70,667.26
Oct, 2034 111 $267.95 $883.38 $1,151.33 $69,783.88
Nov, 2034 112 $264.60 $886.73 $1,151.33 $68,897.15
Dec, 2034 113 $261.24 $890.09 $1,151.33 $68,007.06
Jan, 2035 114 $257.86 $893.47 $1,151.33 $67,113.59
Feb, 2035 115 $254.47 $896.85 $1,151.33 $66,216.74
Mar, 2035 116 $251.07 $900.25 $1,151.33 $65,316.48
Apr, 2035 117 $247.66 $903.67 $1,151.33 $64,412.82
May, 2035 118 $244.23 $907.09 $1,151.33 $63,505.72
Jun, 2035 119 $240.79 $910.53 $1,151.33 $62,595.19
Jul, 2035 120 $237.34 $913.99 $1,151.33 $61,681.20
Aug, 2035 121 $233.87 $917.45 $1,151.33 $60,763.75
Sep, 2035 122 $230.40 $920.93 $1,151.33 $59,842.82
Oct, 2035 123 $226.90 $924.42 $1,151.33 $58,918.40
Nov, 2035 124 $223.40 $927.93 $1,151.33 $57,990.47
Dec, 2035 125 $219.88 $931.45 $1,151.33 $57,059.02
Jan, 2036 126 $216.35 $934.98 $1,151.33 $56,124.04
Feb, 2036 127 $212.80 $938.52 $1,151.33 $55,185.52
Mar, 2036 128 $209.25 $942.08 $1,151.33 $54,243.44
Apr, 2036 129 $205.67 $945.65 $1,151.33 $53,297.78
May, 2036 130 $202.09 $949.24 $1,151.33 $52,348.55
Jun, 2036 131 $198.49 $952.84 $1,151.33 $51,395.71
Jul, 2036 132 $194.88 $956.45 $1,151.33 $50,439.26
Aug, 2036 133 $191.25 $960.08 $1,151.33 $49,479.18
Sep, 2036 134 $187.61 $963.72 $1,151.33 $48,515.46
Oct, 2036 135 $183.95 $967.37 $1,151.33 $47,548.09
Nov, 2036 136 $180.29 $971.04 $1,151.33 $46,577.05
Dec, 2036 137 $176.60 $974.72 $1,151.33 $45,602.33
Jan, 2037 138 $172.91 $978.42 $1,151.33 $44,623.91
Feb, 2037 139 $169.20 $982.13 $1,151.33 $43,641.78
Mar, 2037 140 $165.48 $985.85 $1,151.33 $42,655.93
Apr, 2037 141 $161.74 $989.59 $1,151.33 $41,666.34
May, 2037 142 $157.98 $993.34 $1,151.33 $40,673.00
Jun, 2037 143 $154.22 $997.11 $1,151.33 $39,675.89
Jul, 2037 144 $150.44 $1,000.89 $1,151.33 $38,675.00
Aug, 2037 145 $146.64 $1,004.68 $1,151.33 $37,670.32
Sep, 2037 146 $142.83 $1,008.49 $1,151.33 $36,661.82
Oct, 2037 147 $139.01 $1,012.32 $1,151.33 $35,649.50
Nov, 2037 148 $135.17 $1,016.16 $1,151.33 $34,633.35
Dec, 2037 149 $131.32 $1,020.01 $1,151.33 $33,613.34
Jan, 2038 150 $127.45 $1,023.88 $1,151.33 $32,589.46
Feb, 2038 151 $123.57 $1,027.76 $1,151.33 $31,561.71
Mar, 2038 152 $119.67 $1,031.66 $1,151.33 $30,530.05
Apr, 2038 153 $115.76 $1,035.57 $1,151.33 $29,494.48
May, 2038 154 $111.83 $1,039.49 $1,151.33 $28,454.99
Jun, 2038 155 $107.89 $1,043.43 $1,151.33 $27,411.56
Jul, 2038 156 $103.94 $1,047.39 $1,151.33 $26,364.16
Aug, 2038 157 $99.96 $1,051.36 $1,151.33 $25,312.80
Sep, 2038 158 $95.98 $1,055.35 $1,151.33 $24,257.45
Oct, 2038 159 $91.98 $1,059.35 $1,151.33 $23,198.10
Nov, 2038 160 $87.96 $1,063.37 $1,151.33 $22,134.73
Dec, 2038 161 $83.93 $1,067.40 $1,151.33 $21,067.34
Jan, 2039 162 $79.88 $1,071.45 $1,151.33 $19,995.89
Feb, 2039 163 $75.82 $1,075.51 $1,151.33 $18,920.38
Mar, 2039 164 $71.74 $1,079.59 $1,151.33 $17,840.79
Apr, 2039 165 $67.65 $1,083.68 $1,151.33 $16,757.11
May, 2039 166 $63.54 $1,087.79 $1,151.33 $15,669.32
Jun, 2039 167 $59.41 $1,091.91 $1,151.33 $14,577.41
Jul, 2039 168 $55.27 $1,096.05 $1,151.33 $13,481.36
Aug, 2039 169 $51.12 $1,100.21 $1,151.33 $12,381.15
Sep, 2039 170 $46.95 $1,104.38 $1,151.33 $11,276.76
Oct, 2039 171 $42.76 $1,108.57 $1,151.33 $10,168.20
Nov, 2039 172 $38.55 $1,112.77 $1,151.33 $9,055.42
Dec, 2039 173 $34.34 $1,116.99 $1,151.33 $7,938.43
Jan, 2040 174 $30.10 $1,121.23 $1,151.33 $6,817.20
Feb, 2040 175 $25.85 $1,125.48 $1,151.33 $5,691.73
Mar, 2040 176 $21.58 $1,129.75 $1,151.33 $4,561.98
Apr, 2040 177 $17.30 $1,134.03 $1,151.33 $3,427.95
May, 2040 178 $13.00 $1,138.33 $1,151.33 $2,289.62
Jun, 2040 179 $8.68 $1,142.65 $1,151.33 $1,146.98
Jul, 2040 180 $4.35 $1,146.98 $1,151.33 $0.00

VA Loan vs. Refinance
Original VA Refinance
Monthly Payment $1,215.65 $1,151.33
Total Interest $108,453.35 $57,238.81
Total Principal $150,000.00 $150,000.00
Total Payment $258,453.35 $207,238.81
Closing Cost $0 $5,500.00
Other Expenses $0 $0.00
Total Interest Savings $0 $51,214.55
Total Savings $0 $45,714.55
Payoff Date Apr, 2043 Jul, 2040
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