Refinance Amortization Calculator

See how much you can save with our intuitive refinance calculator! Enter your current mortgage balance, how much you'd like to cash out (if applicable), and you'll know almost instantaneously how much you'll pay each month and how much you'll spend over the life of the loan. Of course, check out the current refinance rates to see how they compare to your existing loan.

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$
$
 

$1,122.61

New Monthly Payment
 

$154,140

Total Interest Paid
 

$404,140

Total of 360 Payments
 
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Aug, 2022 Jul, 2052
Loan Closing Loan Payoff

Compare Virginia Refinance Amortization Rates

740-850 FICO UP TO 2.0 POINTS

AUG 15, 2022

 
4.569%
APR
$1,249
per month
30 Year
Fixed
Rate: 4.375%
Fees: $999
Points: 1.911
Pts amt: $4,778
View Details
4.975%
APR
$1,305
per month
30 Year
Fixed
Rate: 4.750%
Fees: $1,629
Points: 1.960
Pts amt: $4,900
View Details
4.664%
APR
$1,267
per month
30 Year
Fixed
Rate: 4.500%
Fees: $995
Points: 1.535
Pts amt: $3,837
View Details
6.105%
APR
$1,479
per month
30 Year
Fixed
Rate: 5.875%
Fees: $1,250
Points: 2.000
Pts amt: $5,000
View Details
4.569%
APR
$1,249
per month
30 Year
Fixed
Rate: 4.375%
Fees: $999
Points: 1.911
Pts amt: $4,778
View Details
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Data provided by Icanbuy, LLC. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.

Amortization Schedule

Date Interest Principal Balance
Aug, 2022 $729 $393 $249,607
Sep, 2022 $728 $395 $249,212
Oct, 2022 $727 $396 $248,816
Nov, 2022 $726 $397 $248,419
Dec, 2022 $725 $398 $248,021
2022 $3,634 $1,979 $248,021
Jan, 2023 $723 $399 $247,622
Feb, 2023 $722 $400 $247,222
Mar, 2023 $721 $402 $246,820
Apr, 2023 $720 $403 $246,417
May, 2023 $719 $404 $246,014
Jun, 2023 $718 $405 $245,608
Jul, 2023 $716 $406 $245,202
Aug, 2023 $715 $407 $244,795
Sep, 2023 $714 $409 $244,386
Oct, 2023 $713 $410 $243,976
Nov, 2023 $712 $411 $243,565
Dec, 2023 $710 $412 $243,153
2023 $8,603 $4,868 $243,153
Jan, 2024 $709 $413 $242,740
Feb, 2024 $708 $415 $242,325
Mar, 2024 $707 $416 $241,909
Apr, 2024 $706 $417 $241,492
May, 2024 $704 $418 $241,074
Jun, 2024 $703 $419 $240,654
Jul, 2024 $702 $421 $240,234
Aug, 2024 $701 $422 $239,812
Sep, 2024 $699 $423 $239,389
Oct, 2024 $698 $424 $238,964
Nov, 2024 $697 $426 $238,539
Dec, 2024 $696 $427 $238,112
2024 $8,430 $5,041 $238,112
Jan, 2025 $694 $428 $237,684
Feb, 2025 $693 $429 $237,254
Mar, 2025 $692 $431 $236,824
Apr, 2025 $691 $432 $236,392
May, 2025 $689 $433 $235,959
Jun, 2025 $688 $434 $235,524
Jul, 2025 $687 $436 $235,089
Aug, 2025 $686 $437 $234,652
Sep, 2025 $684 $438 $234,213
Oct, 2025 $683 $439 $233,774
Nov, 2025 $682 $441 $233,333
Dec, 2025 $681 $442 $232,891
2025 $8,251 $5,221 $232,891
Jan, 2026 $679 $443 $232,448
Feb, 2026 $678 $445 $232,003
Mar, 2026 $677 $446 $231,557
Apr, 2026 $675 $447 $231,110
May, 2026 $674 $449 $230,661
Jun, 2026 $673 $450 $230,212
Jul, 2026 $671 $451 $229,760
Aug, 2026 $670 $452 $229,308
Sep, 2026 $669 $454 $228,854
Oct, 2026 $667 $455 $228,399
Nov, 2026 $666 $456 $227,943
Dec, 2026 $665 $458 $227,485
2026 $8,065 $5,406 $227,485
Jan, 2027 $663 $459 $227,026
Feb, 2027 $662 $460 $226,565
Mar, 2027 $661 $462 $226,103
Apr, 2027 $659 $463 $225,640
May, 2027 $658 $464 $225,176
Jun, 2027 $657 $466 $224,710
Jul, 2027 $655 $467 $224,243
Aug, 2027 $654 $469 $223,774
Sep, 2027 $653 $470 $223,304
Oct, 2027 $651 $471 $222,833
Nov, 2027 $650 $473 $222,360
Dec, 2027 $649 $474 $221,886
2027 $7,873 $5,599 $221,886
Jan, 2028 $647 $475 $221,411
Feb, 2028 $646 $477 $220,934
Mar, 2028 $644 $478 $220,456
Apr, 2028 $643 $480 $219,976
May, 2028 $642 $481 $219,495
Jun, 2028 $640 $482 $219,013
Jul, 2028 $639 $484 $218,529
Aug, 2028 $637 $485 $218,044
Sep, 2028 $636 $487 $217,557
Oct, 2028 $635 $488 $217,069
Nov, 2028 $633 $489 $216,579
Dec, 2028 $632 $491 $216,088
2028 $7,674 $5,798 $216,088
Jan, 2029 $630 $492 $215,596
Feb, 2029 $629 $494 $215,102
Mar, 2029 $627 $495 $214,607
Apr, 2029 $626 $497 $214,110
May, 2029 $624 $498 $213,612
Jun, 2029 $623 $500 $213,113
Jul, 2029 $622 $501 $212,612
Aug, 2029 $620 $502 $212,109
Sep, 2029 $619 $504 $211,605
Oct, 2029 $617 $505 $211,100
Nov, 2029 $616 $507 $210,593
Dec, 2029 $614 $508 $210,084
2029 $7,467 $6,004 $210,084
Jan, 2030 $613 $510 $209,575
Feb, 2030 $611 $511 $209,063
Mar, 2030 $610 $513 $208,550
Apr, 2030 $608 $514 $208,036
May, 2030 $607 $516 $207,520
Jun, 2030 $605 $517 $207,003
Jul, 2030 $604 $519 $206,484
Aug, 2030 $602 $520 $205,964
Sep, 2030 $601 $522 $205,442
Oct, 2030 $599 $523 $204,918
Nov, 2030 $598 $525 $204,393
Dec, 2030 $596 $526 $203,867
2030 $7,254 $6,217 $203,867
Jan, 2031 $595 $528 $203,339
Feb, 2031 $593 $530 $202,809
Mar, 2031 $592 $531 $202,278
Apr, 2031 $590 $533 $201,746
May, 2031 $588 $534 $201,211
Jun, 2031 $587 $536 $200,676
Jul, 2031 $585 $537 $200,138
Aug, 2031 $584 $539 $199,600
Sep, 2031 $582 $540 $199,059
Oct, 2031 $581 $542 $198,517
Nov, 2031 $579 $544 $197,973
Dec, 2031 $577 $545 $197,428
2031 $7,033 $6,439 $197,428
Jan, 2032 $576 $547 $196,882
Feb, 2032 $574 $548 $196,333
Mar, 2032 $573 $550 $195,783
Apr, 2032 $571 $552 $195,232
May, 2032 $569 $553 $194,678
Jun, 2032 $568 $555 $194,124
Jul, 2032 $566 $556 $193,567
Aug, 2032 $565 $558 $193,009
Sep, 2032 $563 $560 $192,449
Oct, 2032 $561 $561 $191,888
Nov, 2032 $560 $563 $191,325
Dec, 2032 $558 $565 $190,761
2032 $6,804 $6,668 $190,761
Jan, 2033 $556 $566 $190,194
Feb, 2033 $555 $568 $189,627
Mar, 2033 $553 $570 $189,057
Apr, 2033 $551 $571 $188,486
May, 2033 $550 $573 $187,913
Jun, 2033 $548 $575 $187,338
Jul, 2033 $546 $576 $186,762
Aug, 2033 $545 $578 $186,184
Sep, 2033 $543 $580 $185,605
Oct, 2033 $541 $581 $185,023
Nov, 2033 $540 $583 $184,441
Dec, 2033 $538 $585 $183,856
2033 $6,567 $6,905 $183,856
Jan, 2034 $536 $586 $183,270
Feb, 2034 $535 $588 $182,681
Mar, 2034 $533 $590 $182,092
Apr, 2034 $531 $592 $181,500
May, 2034 $529 $593 $180,907
Jun, 2034 $528 $595 $180,312
Jul, 2034 $526 $597 $179,715
Aug, 2034 $524 $598 $179,117
Sep, 2034 $522 $600 $178,517
Oct, 2034 $521 $602 $177,915
Nov, 2034 $519 $604 $177,311
Dec, 2034 $517 $605 $176,706
2034 $6,321 $7,150 $176,706
Jan, 2035 $515 $607 $176,098
Feb, 2035 $514 $609 $175,489
Mar, 2035 $512 $611 $174,879
Apr, 2035 $510 $613 $174,266
May, 2035 $508 $614 $173,652
Jun, 2035 $506 $616 $173,036
Jul, 2035 $505 $618 $172,418
Aug, 2035 $503 $620 $171,798
Sep, 2035 $501 $622 $171,176
Oct, 2035 $499 $623 $170,553
Nov, 2035 $497 $625 $169,928
Dec, 2035 $496 $627 $169,301
2035 $6,067 $7,405 $169,301
Jan, 2036 $494 $629 $168,672
Feb, 2036 $492 $631 $168,041
Mar, 2036 $490 $632 $167,409
Apr, 2036 $488 $634 $166,775
May, 2036 $486 $636 $166,138
Jun, 2036 $485 $638 $165,500
Jul, 2036 $483 $640 $164,860
Aug, 2036 $481 $642 $164,219
Sep, 2036 $479 $644 $163,575
Oct, 2036 $477 $646 $162,929
Nov, 2036 $475 $647 $162,282
Dec, 2036 $473 $649 $161,633
2036 $5,803 $7,668 $161,633
Jan, 2037 $471 $651 $160,982
Feb, 2037 $470 $653 $160,329
Mar, 2037 $468 $655 $159,674
Apr, 2037 $466 $657 $159,017
May, 2037 $464 $659 $158,358
Jun, 2037 $462 $661 $157,697
Jul, 2037 $460 $663 $157,034
Aug, 2037 $458 $665 $156,370
Sep, 2037 $456 $667 $155,703
Oct, 2037 $454 $668 $155,035
Nov, 2037 $452 $670 $154,364
Dec, 2037 $450 $672 $153,692
2037 $5,531 $7,941 $153,692
Jan, 2038 $448 $674 $153,018
Feb, 2038 $446 $676 $152,341
Mar, 2038 $444 $678 $151,663
Apr, 2038 $442 $680 $150,983
May, 2038 $440 $682 $150,301
Jun, 2038 $438 $684 $149,616
Jul, 2038 $436 $686 $148,930
Aug, 2038 $434 $688 $148,242
Sep, 2038 $432 $690 $147,552
Oct, 2038 $430 $692 $146,859
Nov, 2038 $428 $694 $146,165
Dec, 2038 $426 $696 $145,469
2038 $5,248 $8,223 $145,469
Jan, 2039 $424 $698 $144,770
Feb, 2039 $422 $700 $144,070
Mar, 2039 $420 $702 $143,368
Apr, 2039 $418 $704 $142,663
May, 2039 $416 $707 $141,957
Jun, 2039 $414 $709 $141,248
Jul, 2039 $412 $711 $140,538
Aug, 2039 $410 $713 $139,825
Sep, 2039 $408 $715 $139,110
Oct, 2039 $406 $717 $138,393
Nov, 2039 $404 $719 $137,674
Dec, 2039 $402 $721 $136,953
2039 $4,956 $8,516 $136,953
Jan, 2040 $399 $723 $136,230
Feb, 2040 $397 $725 $135,505
Mar, 2040 $395 $727 $134,777
Apr, 2040 $393 $730 $134,048
May, 2040 $391 $732 $133,316
Jun, 2040 $389 $734 $132,582
Jul, 2040 $387 $736 $131,846
Aug, 2040 $385 $738 $131,108
Sep, 2040 $382 $740 $130,368
Oct, 2040 $380 $742 $129,626
Nov, 2040 $378 $745 $128,881
Dec, 2040 $376 $747 $128,135
2040 $4,653 $8,819 $128,135
Jan, 2041 $374 $749 $127,386
Feb, 2041 $372 $751 $126,635
Mar, 2041 $369 $753 $125,881
Apr, 2041 $367 $755 $125,126
May, 2041 $365 $758 $124,368
Jun, 2041 $363 $760 $123,608
Jul, 2041 $361 $762 $122,846
Aug, 2041 $358 $764 $122,082
Sep, 2041 $356 $767 $121,315
Oct, 2041 $354 $769 $120,547
Nov, 2041 $352 $771 $119,776
Dec, 2041 $349 $773 $119,002
2041 $4,339 $9,132 $119,002
Jan, 2042 $347 $776 $118,227
Feb, 2042 $345 $778 $117,449
Mar, 2042 $343 $780 $116,669
Apr, 2042 $340 $782 $115,887
May, 2042 $338 $785 $115,102
Jun, 2042 $336 $787 $114,315
Jul, 2042 $333 $789 $113,526
Aug, 2042 $331 $791 $112,735
Sep, 2042 $329 $794 $111,941
Oct, 2042 $326 $796 $111,145
Nov, 2042 $324 $798 $110,346
Dec, 2042 $322 $801 $109,545
2042 $4,014 $9,457 $109,545
Jan, 2043 $320 $803 $108,742
Feb, 2043 $317 $805 $107,937
Mar, 2043 $315 $808 $107,129
Apr, 2043 $312 $810 $106,319
May, 2043 $310 $813 $105,506
Jun, 2043 $308 $815 $104,691
Jul, 2043 $305 $817 $103,874
Aug, 2043 $303 $820 $103,055
Sep, 2043 $301 $822 $102,233
Oct, 2043 $298 $824 $101,408
Nov, 2043 $296 $827 $100,581
Dec, 2043 $293 $829 $99,752
2043 $3,678 $9,793 $99,752
Jan, 2044 $291 $832 $98,920
Feb, 2044 $289 $834 $98,086
Mar, 2044 $286 $837 $97,250
Apr, 2044 $284 $839 $96,411
May, 2044 $281 $841 $95,569
Jun, 2044 $279 $844 $94,725
Jul, 2044 $276 $846 $93,879
Aug, 2044 $274 $849 $93,030
Sep, 2044 $271 $851 $92,179
Oct, 2044 $269 $854 $91,325
Nov, 2044 $266 $856 $90,469
Dec, 2044 $264 $859 $89,610
2044 $3,330 $10,142 $89,610
Jan, 2045 $261 $861 $88,749
Feb, 2045 $259 $864 $87,885
Mar, 2045 $256 $866 $87,019
Apr, 2045 $254 $869 $86,150
May, 2045 $251 $871 $85,279
Jun, 2045 $249 $874 $84,405
Jul, 2045 $246 $876 $83,529
Aug, 2045 $244 $879 $82,650
Sep, 2045 $241 $882 $81,768
Oct, 2045 $238 $884 $80,884
Nov, 2045 $236 $887 $79,997
Dec, 2045 $233 $889 $79,108
2045 $2,969 $10,502 $79,108
Jan, 2046 $231 $892 $78,216
Feb, 2046 $228 $894 $77,322
Mar, 2046 $226 $897 $76,424
Apr, 2046 $223 $900 $75,525
May, 2046 $220 $902 $74,622
Jun, 2046 $218 $905 $73,717
Jul, 2046 $215 $908 $72,810
Aug, 2046 $212 $910 $71,900
Sep, 2046 $210 $913 $70,987
Oct, 2046 $207 $916 $70,071
Nov, 2046 $204 $918 $69,153
Dec, 2046 $202 $921 $68,232
2046 $2,595 $10,876 $68,232
Jan, 2047 $199 $924 $67,308
Feb, 2047 $196 $926 $66,382
Mar, 2047 $194 $929 $65,453
Apr, 2047 $191 $932 $64,521
May, 2047 $188 $934 $63,587
Jun, 2047 $185 $937 $62,650
Jul, 2047 $183 $940 $61,710
Aug, 2047 $180 $943 $60,767
Sep, 2047 $177 $945 $59,822
Oct, 2047 $174 $948 $58,874
Nov, 2047 $172 $951 $57,923
Dec, 2047 $169 $954 $56,969
2047 $2,209 $11,263 $56,969
Jan, 2048 $166 $956 $56,013
Feb, 2048 $163 $959 $55,054
Mar, 2048 $161 $962 $54,092
Apr, 2048 $158 $965 $53,127
May, 2048 $155 $968 $52,159
Jun, 2048 $152 $970 $51,189
Jul, 2048 $149 $973 $50,215
Aug, 2048 $146 $976 $49,239
Sep, 2048 $144 $979 $48,260
Oct, 2048 $141 $982 $47,278
Nov, 2048 $138 $985 $46,294
Dec, 2048 $135 $988 $45,306
2048 $1,808 $11,663 $45,306
Jan, 2049 $132 $990 $44,315
Feb, 2049 $129 $993 $43,322
Mar, 2049 $126 $996 $42,326
Apr, 2049 $123 $999 $41,327
May, 2049 $121 $1,002 $40,325
Jun, 2049 $118 $1,005 $39,320
Jul, 2049 $115 $1,008 $38,312
Aug, 2049 $112 $1,011 $37,301
Sep, 2049 $109 $1,014 $36,287
Oct, 2049 $106 $1,017 $35,270
Nov, 2049 $103 $1,020 $34,250
Dec, 2049 $100 $1,023 $33,228
2049 $1,393 $12,078 $33,228
Jan, 2050 $97 $1,026 $32,202
Feb, 2050 $94 $1,029 $31,173
Mar, 2050 $91 $1,032 $30,142
Apr, 2050 $88 $1,035 $29,107
May, 2050 $85 $1,038 $28,069
Jun, 2050 $82 $1,041 $27,029
Jul, 2050 $79 $1,044 $25,985
Aug, 2050 $76 $1,047 $24,938
Sep, 2050 $73 $1,050 $23,888
Oct, 2050 $70 $1,053 $22,835
Nov, 2050 $67 $1,056 $21,779
Dec, 2050 $64 $1,059 $20,720
2050 $964 $12,508 $20,720
Jan, 2051 $60 $1,062 $19,658
Feb, 2051 $57 $1,065 $18,593
Mar, 2051 $54 $1,068 $17,524
Apr, 2051 $51 $1,071 $16,453
May, 2051 $48 $1,075 $15,378
Jun, 2051 $45 $1,078 $14,300
Jul, 2051 $42 $1,081 $13,219
Aug, 2051 $39 $1,084 $12,135
Sep, 2051 $35 $1,087 $11,048
Oct, 2051 $32 $1,090 $9,958
Nov, 2051 $29 $1,094 $8,864
Dec, 2051 $26 $1,097 $7,767
2051 $519 $12,953 $7,767
Jan, 2052 $23 $1,100 $6,667
Feb, 2052 $19 $1,103 $5,564
Mar, 2052 $16 $1,106 $4,458
Apr, 2052 $13 $1,110 $3,348
May, 2052 $10 $1,113 $2,235
Jun, 2052 $7 $1,116 $1,119
Jul, 2052 $3 $1,119 $0
2052 $91 $7,767 $0

Frequently Asked Questions

When to refinance a mortgage?

Generally speaking, you should refinance your mortgage whenever it makes financial sense to do so. Homeowners tend to refinance for two reasons: to get cash out and to lower their mortgage costs.
A cash-out refinance permits people to take equity out of their home by getting a new mortgage for a higher value than the previous one. This new mortgage pays off the old one, and the bank gives the excess funds to you in cash. It often makes financial sense to do this when you're looking to pay off higher-interest debt like credit cards or personal loans.
The other reason to refinance is when interest rates are low. Given that rates are near record lows, many people will find it advantageous to refinance since they'll pay less interest on the loan.
In either event, you can see how much you'll pay with our refinance calculator!

How to refinance a mortgage?

Refinancing a mortgage has essentially the same steps as getting a new mortgage. The mortgage that you'll obtain will pay off your old loan, and the bank will send you any extra money (if you're doing a cash-out refinance). You'll need to apply with a bank, submit all the necessary documentation, and meet the same criteria as anyone else applying for a mortgage, including the minimum credit score and debt-to-income requirements. Refinancing typically also takes the same time to close, with 30-45 day timelines being standard.
It is worth noting that you can refinance all types of mortgages, including FHA, VA, and USDA loans. Therefore, no matter what kind of mortgage you have, you might be able to save money with today's refinance rates!

How much does it cost to refinance a mortgage?

The amount you pay to refinance your loan depends mostly on the terms of the new mortgage. When refinancing a mortgage, there are typically three sources of costs: closing fees, points, and appraisals.
Closing fees are fees that your bank and county charge to process the mortgage. For example, your county may charge a fee to process the change of lienholder. Or your lender may charge you for a title search. These fees often cost about 2-5% of the loan, depending on your lender and where you live.
Points are optional but, depending on your circumstances, they can be advantageous. One point equals 1% of your mortgage value. It is a form of prepaid interest that reduces your interest rate by 0.25%. Most of the time, you'll see an ad for a mortgage that reads something like "3.5% with one point." This ad means that to get the 3.5% rate, you'll need to pay 1% of your loan's balance at closing. If you accept a refinance offer with points, you'll add these.
Finally, since a refinanced mortgage is a new loan, you'll typically have to pay for an appraisal. Usually, this is only a few hundred, but it might be more depending on the property's size and location.

How soon can you refinance your mortgage?

The short answer is that you can refinance whenever you want! The longer answer depends on whether or not you're refinancing with a different lender. Your current bank will always accept full payment on the loan. If you refinance with a new lender, you can always refinance right away. However, if you use the same lender, they may have a waiting period before you can adjust the terms of your loan. This waiting period tends to be at least six months, but every financial institution is different. With that said, you should only refinance your mortgage, though, when a refinance calculator shows that it makes fiscal sense to do so!

Definitions

Property Value

You likely won't have done an appraisal of your property, so make this a best-guess effort. Take a look at some other homes in your area that have recently sold and find ones that are comparable to yours. Once you look at a few of those homes, you should start to get a broad sense of what your home is worth. Put what you think your home is worth in this field.

Mortgage Balance

Enter your current mortgage balance. This number should be the amount that will pay off your loan. You can frequently get the dollar value to enter here by looking for your mortgage payoff statement. Most banks will let you get it online. However, some banks will require you to call in to get a copy of this statement. If you don't have this number handy, you can always estimate it using the current balance as of your last mortgage statement. An approximation is typically good enough to understand if refinancing will save you money or not.

Cash Out

If you're doing a cash out refinance, enter the amount of money you'd like to receive in this field on our refinance calculator. A cash-out mortgage lets you take some of your home equity as cash, in addition to paying off your loan. For example, let's say you owe $250,000 on a $500,000 home. You could refinance that $250,000 and take an extra $50,000 cash to make your new mortgage $300,000 total. Taking money out frequently helps with consolidating debt.

Monthly Payment

Our refinance calculator will use the information you have provided to calculate your monthly payment. This amount represents the total you will pay every month - including interest and principal. When you refinance, you can also opt to have the bank pay your property taxes and homeowners' insurance as part of escrow. If you elect to do that, your monthly payment will include these components as well.

Loan Closing Date

The loan closing date reflects the month in which your loan will finalize, and the bank will transfer the money to escrow for purchasing the property. In particular, the loan closing date is the first day where your loan begins to accrue interest. As such, all interest calculations, principal calculations, and monthly payments start as of this day.

Loan Payoff Date

Your loan payoff date is the month in which you will reduce your mortgage balance down to zero. The refinance calculator will give you this date assuming that you make each monthly payment. If you can, though, you may wish to pay a little bit more each month (even if it's just $10, it can make a difference over the life of the loan). If you do so, you'll pay your refinanced mortgage off faster!

Total Interest Paid

The bank will charge interest on the loan balance. The "Total Interest Paid" field of the refinance calculator reflects the total amount of interest you'll pay in addition to the principal. This money is "lost" in the sense that it does not go towards building equity. The interest amount plus the principal is the total amount you'll pay over the life of the loan. As a quick example, suppose you have a loan for $200,000. The calculator determines that you'll pay $50,000 in interest. The total sum of all your payments will be $250,000 - the amount needed to pay off the principal in full and the accrued interest.
This refinance amortization calculator should only be used to estimate your repayments since it doesn't include taxes or insurance.