Eagles Funding Group logo Eagles FundingGroup
954-590-8464 Apply Now
PLATE 004 Rate & Term · Cash-Out

Refinance Calculator

See exactly when a refinance pays for itself — monthly savings, closing costs, and the break-even month — before you commit to the paperwork.

Monthly Savings$250 Break-Even24 mo 5-Year Savings$15,000 New Payment$1,850 Monthly Savings$250 Break-Even24 mo 5-Year Savings$15,000 New Payment$1,850

Inputs

Three numbers — that's it.

$
$
$
Lender fees, appraisal, title, and points rolled into the new loan.
Break-Even Point
24 months
Monthly Savings$250.00
Savings After 5 Years$15,000.00

You break even in 24 months — every payment after that is money saved.

Break-Even
24 mo
to recover closing costs
Monthly Savings
$250
current minus new payment
5-Year Savings
$15,000
after break-even
Closing Costs
$6,000
rolled into the loan

Break-Even Crossover

Cumulative net position — savings minus costs — month by month.

Cumulative Net ($ saved − costs)
FIG. 01Break-Even Curve SCALE60 MONTHS UNITUSD STATUSLIVE

Payment Comparison

Current monthly payment vs. the new one.

Current Payment New Payment
FIG. 02Payment Comparison UNITUSD/MO STATUSLIVE

Analysis

Adjust the inputs above — the analysis updates automatically.

Key Figures

Monthly Savings
$250
Break-Even
24 months
5-Year Savings
$15,000
10-Year Savings
$30,000
New / Current Ratio
88%

Ready to lower your rate?

We'll run your real numbers and tell you if a refinance makes sense — no obligation, no credit impact for a quote.

Apply Now — 3 Minutes Call 954-590-8464
← Back to All Calculators

Estimates Only — Not a Loan Offer

Results shown are estimates for educational purposes only and are not a loan approval, commitment, or offer to lend. Your actual payment, rate, and eligibility will be determined at application based on your credit, income, assets, property, and current market conditions.

Eagles Funding Group, NMLS #2450816 · Licensed by the Florida Office of Financial Regulation · Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Consumer access: www.nmlsconsumeraccess.org.