Calculator

VA Refinance Savings Calculator

IRRRL or cash-out — what does it actually save?

Current loan balance

Current rate

Your actual rate, not a published figure

Years remaining

New rate

User-supplied assumption, not a published or offered rate

New term

Closing costs (financed)

Results

Enter your current rate and an assumed new rate above to see estimated results.

We do not publish or preload rates. Any rate you enter is your own assumption, not a quoted or available rate.

Educational estimate only—not a Loan Estimate, credit decision, commitment to lend, or guarantee. Actual eligibility, rates, fees, payments, and terms may differ.

Related guides & calculators

IRRRL step by step

What a streamline refinance requires.

VA refinance programs

IRRRL and cash-out side by side.

VA 100% LTV cash-out calculator

Estimate available equity.

All VA calculators

Affordability, PITI, funding fee, refinance, EEM, owelty, and more.

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VA Refinance Savings Calculator

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