Program figures verified July 2026. Details change; confirm your scenario with us.
Current vs proposed loan
Your recoupment math
0 months
to recoup closing costs · —
| Current monthly P&I | $0 |
|---|---|
| New monthly P&I | $0 |
| Monthly savings | $0 |
| Total closing costs (incl. funding fee) | $0 |
| Recoupment period | 0 mo |
What this doesn't show: Total interest cost over the full loan. A 30-year refi that "recoups" in 24 months can still cost more interest over the next 27 years vs paying down faster. Run the full numbers, not just the recoupment.
Talk to an ID VA loan specialist about your numbers
Have a question about what this calculator showed you? Mike Certo (Cornerstone First Mortgage, Nationwide Mortgage Licensing System (NMLS) #260555) reviews every result personally. No commitment, no pressure.
Estimates only. Not a commitment to lend. Actual VA loan terms depend on full underwriting including credit, income, assets, property appraisal, residual income, and VA entitlement. Mike Certo · Cornerstone First Mortgage NMLS #173855 · Mike Certo NMLS #260555. Equal Housing Lender.