VA Calculator


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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Years
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VA Refinance Calculator Summary

New Monthly Payment:
$1,151.33
Payoff Date:
Jul, 2041
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, 2026
1
$568.75
$582.58
$1,151.33
$149,417.42
Sep, 2026
2
$566.54
$584.79
$1,151.33
$148,832.64
Oct, 2026
3
$564.32
$587.00
$1,151.33
$148,245.63
Nov, 2026
4
$562.10
$589.23
$1,151.33
$147,656.41
Dec, 2026
5
$559.86
$591.46
$1,151.33
$147,064.94
Jan, 2027
6
$557.62
$593.71
$1,151.33
$146,471.24
Feb, 2027
7
$555.37
$595.96
$1,151.33
$145,875.28
Mar, 2027
8
$553.11
$598.22
$1,151.33
$145,277.06
Apr, 2027
9
$550.84
$600.48
$1,151.33
$144,676.58
May, 2027
10
$548.57
$602.76
$1,151.33
$144,073.82
Jun, 2027
11
$546.28
$605.05
$1,151.33
$143,468.77
Jul, 2027
12
$543.99
$607.34
$1,151.33
$142,861.43
Aug, 2027
13
$541.68
$609.64
$1,151.33
$142,251.79
Sep, 2027
14
$539.37
$611.96
$1,151.33
$141,639.83
Oct, 2027
15
$537.05
$614.28
$1,151.33
$141,025.56
Nov, 2027
16
$534.72
$616.60
$1,151.33
$140,408.95
Dec, 2027
17
$532.38
$618.94
$1,151.33
$139,790.01
Jan, 2028
18
$530.04
$621.29
$1,151.33
$139,168.72
Feb, 2028
19
$527.68
$623.65
$1,151.33
$138,545.07
Mar, 2028
20
$525.32
$626.01
$1,151.33
$137,919.06
Apr, 2028
21
$522.94
$628.38
$1,151.33
$137,290.68
May, 2028
22
$520.56
$630.77
$1,151.33
$136,659.91
Jun, 2028
23
$518.17
$633.16
$1,151.33
$136,026.76
Jul, 2028
24
$515.77
$635.56
$1,151.33
$135,391.20
Aug, 2028
25
$513.36
$637.97
$1,151.33
$134,753.23
Sep, 2028
26
$510.94
$640.39
$1,151.33
$134,112.84
Oct, 2028
27
$508.51
$642.82
$1,151.33
$133,470.03
Nov, 2028
28
$506.07
$645.25
$1,151.33
$132,824.77
Dec, 2028
29
$503.63
$647.70
$1,151.33
$132,177.07
Jan, 2029
30
$501.17
$650.16
$1,151.33
$131,526.92
Feb, 2029
31
$498.71
$652.62
$1,151.33
$130,874.30
Mar, 2029
32
$496.23
$655.09
$1,151.33
$130,219.20
Apr, 2029
33
$493.75
$657.58
$1,151.33
$129,561.62
May, 2029
34
$491.25
$660.07
$1,151.33
$128,901.55
Jun, 2029
35
$488.75
$662.57
$1,151.33
$128,238.98
Jul, 2029
36
$486.24
$665.09
$1,151.33
$127,573.89
Aug, 2029
37
$483.72
$667.61
$1,151.33
$126,906.28
Sep, 2029
38
$481.19
$670.14
$1,151.33
$126,236.14
Oct, 2029
39
$478.65
$672.68
$1,151.33
$125,563.46
Nov, 2029
40
$476.09
$675.23
$1,151.33
$124,888.23
Dec, 2029
41
$473.53
$677.79
$1,151.33
$124,210.44
Jan, 2030
42
$470.96
$680.36
$1,151.33
$123,530.07
Feb, 2030
43
$468.38
$682.94
$1,151.33
$122,847.13
Mar, 2030
44
$465.80
$685.53
$1,151.33
$122,161.60
Apr, 2030
45
$463.20
$688.13
$1,151.33
$121,473.47
May, 2030
46
$460.59
$690.74
$1,151.33
$120,782.73
Jun, 2030
47
$457.97
$693.36
$1,151.33
$120,089.37
Jul, 2030
48
$455.34
$695.99
$1,151.33
$119,393.38
Aug, 2030
49
$452.70
$698.63
$1,151.33
$118,694.76
Sep, 2030
50
$450.05
$701.28
$1,151.33
$117,993.48
Oct, 2030
51
$447.39
$703.93
$1,151.33
$117,289.55
Nov, 2030
52
$444.72
$706.60
$1,151.33
$116,582.94
Dec, 2030
53
$442.04
$709.28
$1,151.33
$115,873.66
Jan, 2031
54
$439.35
$711.97
$1,151.33
$115,161.69
Feb, 2031
55
$436.65
$714.67
$1,151.33
$114,447.01
Mar, 2031
56
$433.94
$717.38
$1,151.33
$113,729.63
Apr, 2031
57
$431.22
$720.10
$1,151.33
$113,009.53
May, 2031
58
$428.49
$722.83
$1,151.33
$112,286.70
Jun, 2031
59
$425.75
$725.57
$1,151.33
$111,561.13
Jul, 2031
60
$423.00
$728.32
$1,151.33
$110,832.80
Aug, 2031
61
$420.24
$731.09
$1,151.33
$110,101.72
Sep, 2031
62
$417.47
$733.86
$1,151.33
$109,367.86
Oct, 2031
63
$414.69
$736.64
$1,151.33
$108,631.22
Nov, 2031
64
$411.89
$739.43
$1,151.33
$107,891.78
Dec, 2031
65
$409.09
$742.24
$1,151.33
$107,149.55
Jan, 2032
66
$406.28
$745.05
$1,151.33
$106,404.50
Feb, 2032
67
$403.45
$747.88
$1,151.33
$105,656.62
Mar, 2032
68
$400.61
$750.71
$1,151.33
$104,905.91
Apr, 2032
69
$397.77
$753.56
$1,151.33
$104,152.35
May, 2032
70
$394.91
$756.42
$1,151.33
$103,395.93
Jun, 2032
71
$392.04
$759.28
$1,151.33
$102,636.65
Jul, 2032
72
$389.16
$762.16
$1,151.33
$101,874.49
Aug, 2032
73
$386.27
$765.05
$1,151.33
$101,109.43
Sep, 2032
74
$383.37
$767.95
$1,151.33
$100,341.48
Oct, 2032
75
$380.46
$770.87
$1,151.33
$99,570.62
Nov, 2032
76
$377.54
$773.79
$1,151.33
$98,796.83
Dec, 2032
77
$374.60
$776.72
$1,151.33
$98,020.11
Jan, 2033
78
$371.66
$779.67
$1,151.33
$97,240.44
Feb, 2033
79
$368.70
$782.62
$1,151.33
$96,457.82
Mar, 2033
80
$365.74
$785.59
$1,151.33
$95,672.22
Apr, 2033
81
$362.76
$788.57
$1,151.33
$94,883.65
May, 2033
82
$359.77
$791.56
$1,151.33
$94,092.10
Jun, 2033
83
$356.77
$794.56
$1,151.33
$93,297.53
Jul, 2033
84
$353.75
$797.57
$1,151.33
$92,499.96
Aug, 2033
85
$350.73
$800.60
$1,151.33
$91,699.36
Sep, 2033
86
$347.69
$803.63
$1,151.33
$90,895.73
Oct, 2033
87
$344.65
$806.68
$1,151.33
$90,089.05
Nov, 2033
88
$341.59
$809.74
$1,151.33
$89,279.31
Dec, 2033
89
$338.52
$812.81
$1,151.33
$88,466.50
Jan, 2034
90
$335.44
$815.89
$1,151.33
$87,650.61
Feb, 2034
91
$332.34
$818.98
$1,151.33
$86,831.63
Mar, 2034
92
$329.24
$822.09
$1,151.33
$86,009.53
Apr, 2034
93
$326.12
$825.21
$1,151.33
$85,184.33
May, 2034
94
$322.99
$828.34
$1,151.33
$84,355.99
Jun, 2034
95
$319.85
$831.48
$1,151.33
$83,524.51
Jul, 2034
96
$316.70
$834.63
$1,151.33
$82,689.89
Aug, 2034
97
$313.53
$837.79
$1,151.33
$81,852.09
Sep, 2034
98
$310.36
$840.97
$1,151.33
$81,011.12
Oct, 2034
99
$307.17
$844.16
$1,151.33
$80,166.96
Nov, 2034
100
$303.97
$847.36
$1,151.33
$79,319.60
Dec, 2034
101
$300.75
$850.57
$1,151.33
$78,469.03
Jan, 2035
102
$297.53
$853.80
$1,151.33
$77,615.23
Feb, 2035
103
$294.29
$857.04
$1,151.33
$76,758.19
Mar, 2035
104
$291.04
$860.29
$1,151.33
$75,897.91
Apr, 2035
105
$287.78
$863.55
$1,151.33
$75,034.36
May, 2035
106
$284.51
$866.82
$1,151.33
$74,167.54
Jun, 2035
107
$281.22
$870.11
$1,151.33
$73,297.43
Jul, 2035
108
$277.92
$873.41
$1,151.33
$72,424.02
Aug, 2035
109
$274.61
$876.72
$1,151.33
$71,547.30
Sep, 2035
110
$271.28
$880.04
$1,151.33
$70,667.26
Oct, 2035
111
$267.95
$883.38
$1,151.33
$69,783.88
Nov, 2035
112
$264.60
$886.73
$1,151.33
$68,897.15
Dec, 2035
113
$261.24
$890.09
$1,151.33
$68,007.06
Jan, 2036
114
$257.86
$893.47
$1,151.33
$67,113.59
Feb, 2036
115
$254.47
$896.85
$1,151.33
$66,216.74
Mar, 2036
116
$251.07
$900.25
$1,151.33
$65,316.48
Apr, 2036
117
$247.66
$903.67
$1,151.33
$64,412.82
May, 2036
118
$244.23
$907.09
$1,151.33
$63,505.72
Jun, 2036
119
$240.79
$910.53
$1,151.33
$62,595.19
Jul, 2036
120
$237.34
$913.99
$1,151.33
$61,681.20
Aug, 2036
121
$233.87
$917.45
$1,151.33
$60,763.75
Sep, 2036
122
$230.40
$920.93
$1,151.33
$59,842.82
Oct, 2036
123
$226.90
$924.42
$1,151.33
$58,918.40
Nov, 2036
124
$223.40
$927.93
$1,151.33
$57,990.47
Dec, 2036
125
$219.88
$931.45
$1,151.33
$57,059.02
Jan, 2037
126
$216.35
$934.98
$1,151.33
$56,124.04
Feb, 2037
127
$212.80
$938.52
$1,151.33
$55,185.52
Mar, 2037
128
$209.25
$942.08
$1,151.33
$54,243.44
Apr, 2037
129
$205.67
$945.65
$1,151.33
$53,297.78
May, 2037
130
$202.09
$949.24
$1,151.33
$52,348.55
Jun, 2037
131
$198.49
$952.84
$1,151.33
$51,395.71
Jul, 2037
132
$194.88
$956.45
$1,151.33
$50,439.26
Aug, 2037
133
$191.25
$960.08
$1,151.33
$49,479.18
Sep, 2037
134
$187.61
$963.72
$1,151.33
$48,515.46
Oct, 2037
135
$183.95
$967.37
$1,151.33
$47,548.09
Nov, 2037
136
$180.29
$971.04
$1,151.33
$46,577.05
Dec, 2037
137
$176.60
$974.72
$1,151.33
$45,602.33
Jan, 2038
138
$172.91
$978.42
$1,151.33
$44,623.91
Feb, 2038
139
$169.20
$982.13
$1,151.33
$43,641.78
Mar, 2038
140
$165.48
$985.85
$1,151.33
$42,655.93
Apr, 2038
141
$161.74
$989.59
$1,151.33
$41,666.34
May, 2038
142
$157.98
$993.34
$1,151.33
$40,673.00
Jun, 2038
143
$154.22
$997.11
$1,151.33
$39,675.89
Jul, 2038
144
$150.44
$1,000.89
$1,151.33
$38,675.00
Aug, 2038
145
$146.64
$1,004.68
$1,151.33
$37,670.32
Sep, 2038
146
$142.83
$1,008.49
$1,151.33
$36,661.82
Oct, 2038
147
$139.01
$1,012.32
$1,151.33
$35,649.50
Nov, 2038
148
$135.17
$1,016.16
$1,151.33
$34,633.35
Dec, 2038
149
$131.32
$1,020.01
$1,151.33
$33,613.34
Jan, 2039
150
$127.45
$1,023.88
$1,151.33
$32,589.46
Feb, 2039
151
$123.57
$1,027.76
$1,151.33
$31,561.71
Mar, 2039
152
$119.67
$1,031.66
$1,151.33
$30,530.05
Apr, 2039
153
$115.76
$1,035.57
$1,151.33
$29,494.48
May, 2039
154
$111.83
$1,039.49
$1,151.33
$28,454.99
Jun, 2039
155
$107.89
$1,043.43
$1,151.33
$27,411.56
Jul, 2039
156
$103.94
$1,047.39
$1,151.33
$26,364.16
Aug, 2039
157
$99.96
$1,051.36
$1,151.33
$25,312.80
Sep, 2039
158
$95.98
$1,055.35
$1,151.33
$24,257.45
Oct, 2039
159
$91.98
$1,059.35
$1,151.33
$23,198.10
Nov, 2039
160
$87.96
$1,063.37
$1,151.33
$22,134.73
Dec, 2039
161
$83.93
$1,067.40
$1,151.33
$21,067.34
Jan, 2040
162
$79.88
$1,071.45
$1,151.33
$19,995.89
Feb, 2040
163
$75.82
$1,075.51
$1,151.33
$18,920.38
Mar, 2040
164
$71.74
$1,079.59
$1,151.33
$17,840.79
Apr, 2040
165
$67.65
$1,083.68
$1,151.33
$16,757.11
May, 2040
166
$63.54
$1,087.79
$1,151.33
$15,669.32
Jun, 2040
167
$59.41
$1,091.91
$1,151.33
$14,577.41
Jul, 2040
168
$55.27
$1,096.05
$1,151.33
$13,481.36
Aug, 2040
169
$51.12
$1,100.21
$1,151.33
$12,381.15
Sep, 2040
170
$46.95
$1,104.38
$1,151.33
$11,276.76
Oct, 2040
171
$42.76
$1,108.57
$1,151.33
$10,168.20
Nov, 2040
172
$38.55
$1,112.77
$1,151.33
$9,055.42
Dec, 2040
173
$34.34
$1,116.99
$1,151.33
$7,938.43
Jan, 2041
174
$30.10
$1,121.23
$1,151.33
$6,817.20
Feb, 2041
175
$25.85
$1,125.48
$1,151.33
$5,691.73
Mar, 2041
176
$21.58
$1,129.75
$1,151.33
$4,561.98
Apr, 2041
177
$17.30
$1,134.03
$1,151.33
$3,427.95
May, 2041
178
$13.00
$1,138.33
$1,151.33
$2,289.62
Jun, 2041
179
$8.68
$1,142.65
$1,151.33
$1,146.98
Jul, 2041
180
$4.35
$1,146.98
$1,151.33
$0.00

VA Loan vs. Refinance

Metrics Comparison
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
$0.00
$5,500.00
Other Expenses
$0.00
$0.00
Total Interest Savings
$0.00
$51,214.55
Total Savings
$0.00
$45,714.55
Payoff Date
Apr, 2044
Jul, 2041

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