Mortgage Refinance Costs Calculator

Estimate the cost of refinancing your mortgage loan.

How Much Does It Cost to Refinance My Mortgage?

This calculator helps you get a general estimate. For a more personalized experience for your specific budget, try our Home Insight© Planner.


You’ll enter your loan information – purchase price, down payment as a percentage or dollar amount, term and interest rate.

You can also expand Taxes & Insurance, Origination Fees and Other Settlement Services and enter any amounts you know.

From your information, the calculator will tell you your total estimated refinancing costs, what portion is adjusted origination charges and what portion is other settlement charges.

You can click Payment to see a breakdown of each payment into Principal & Interest, Taxes & Insurance and private mortgage insurance (PMI).

Refinancing costs or closing costs are the fees and expenses you’ll need to pay when you refinance. 

On average, closing costs to refinance are between 2-5% of the loan amount.

You’ll most likely pay refinancing costs at the time of refinancing. 

You may have the option to include the cost in your new loan amount – this will cost more in the long run, as you pay interest on the closing costs, but is an option if you want to avoid upfront costs.

Mortgage rates can change daily. Check current mortgage rates.

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