Refinance Comparison Tool

Estimate your current vs proposed payment and savings.

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Scenario Comparison

Add scenarios to compare different terms, rates, credits, and costs.

Scenario 1

Original Loan

Your current mortgage details.

Original loan amount

Original Term (years)

Current Rate

Time Left on Current Loan (years)

New Loan

The refinance option you’re evaluating.

New loan amount

New Term (years)

New Rate

APR (For PDF only)

Property + Costs

Used to estimate monthly outflow (P&I + escrow + PMI).

Value of home

Taxes (annual)

Insurance (annual)

PMI (monthly)

Closing Costs

Lender Credit

Values are for illustration only Mobile-friendly view

All Debts

Optional: add debts to compare totals (does not change mortgage P&I).

Lender / Account	Payment	Balance	Paid at close?

Results

Current vs proposed monthly totals and savings.

Estimates

Current Payment (P&I)

$0.00

Based on original amount, rate, and remaining term/time left.

New Payment (P&I)

$0.00

Based on new amount, rate, and new term.

Total Current Outflow

$0.00

P&I + taxes/12 + insurance/12 + PMI.

New Outflow

$0.00

P&I + taxes/12 + insurance/12 + PMI.

Savings

Monthly Savings

$0.00

—

Recoup Time

0 months

Net costs ÷ monthly savings.

	Current	Proposed
Minimum Payments (without Mortgage)	$0.00	$0.00
Mortgage Balance	$0.00	$0.00
Time Left on Current Loan	—	—
Taxes	$0.00	$0.00
Insurance	$0.00	$0.00
PMI	$0.00	$0.00
Rate	0%	0%
TOTAL Payments	$0.00	$0.00

Yearly Savings

$0.00

Monthly × 12

5 Year Savings

$0.00

Monthly × 60

Life of Loan Savings (outflow estimate)

$0.00

Estimate using remaining vs new term.

Loan Paid Off In

0 years

New term length.

Life of Loan Interest Savings (P&I only estimate)

Compares total interest on remaining current vs new loan (approx.).

Disclaimer: All calculations are estimates for informational use only and based on data entered by the user. Results do not reflect guaranteed terms, rates, or outcomes. Additional costs (e.g. PMI and program-specific fees) may apply depending on loan structure. Provided by Sapphire United Loans as a reference tool only.