Break‑Even Calculator

Estimate how many months it takes to recover closing costs based on your current vs new payment.

$420,000
$100K$2M
6.75%
2.0%10.0%
24 years
130
We use years remaining for your current payment.

6.10%
2.0%10.0%
We auto‑fetch a suggested rate by credit tier; you can adjust.
$5,000
$2K$15K

740-759
640800+

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Adjust balance, rates, and closing costs, then calculate.