Mortgage Tools Hub
Explore mortgage calculators: payments, refinance, PMI, points, recast, and more.
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A recast applies a lump-sum to principal and re-amortizes your remaining balance, lowering payments without changing your rate or term.
If your current rate is competitive and you have a lump-sum, recasting can reduce payments with low fees. If rates are lower, a refi may save more.
Yes. Recast fees are typically small, while refinance fees can be larger. The calculator includes these to estimate break-even and total cost.
See Recast vs Extra Payments, Refinance Break-Even, and PMI Drop for a complete plan.
Explore mortgage calculators: payments, refinance, PMI, points, recast, and more.
Compare a mortgage recast (lump-sum + re-amortization) vs making extra monthly payments—payments, net costs, and break-even.
Estimate monthly savings, break-even months, and net savings after closing costs.
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