fha refinance closing cost calculator built for clear decisions

In hundreds of closings, I've watched borrowers second-guess fees while the notary waits; a client once texted from a title office lot, asking one thing: 'Is this refi still worth it?'

What you get

Simple, reliable math that tallies lender fees, third-party charges, prepaid escrows, and any MIP refund credit. I paused - just a beat - before simplifying it this way: show net savings, show timeline, skip fluff.

• Runs like an FHA streamline refi calculator when skipping appraisal.
• Fast FHA closing costs estimate for side-by-side quotes.
• Built-in refinance break-even calculator to time payoff.
• Switch to FHA cash-out refinance calculator mode for equity pulls.
• Tests a no-closing-cost FHA refinance via lender credit.

How to use

1. Enter balance, rate, and estimated fees.
2. Choose streamline or cash-out; add escrows if needed.
3. See payment change, total costs, and breakeven in months.

Decisions stay calm, numbers stay honest.