VA Refinance Calculator | VA Loan Coach

VA Refinance Calculator

Compare your current loan to a new VA Streamline (IRRRL) or Cash-Out refinance. See your estimated new payment, monthly savings, and break-even point.

Refinance Type


Current Loan

Current Loan Balance
$50,000$2,000,000
Current Interest Rate
1%15%
Years Remaining on Current Loan
1 yr30 yrs

New Refinance Loan

New Interest Rate
1%15%
Rate shown is based on a 700 FICO score. The average VA loan interest rate today is around 6%. Your actual rate will vary based on credit, loan type, and market conditions.

New Loan Term

Cash-Out Amount
$0$500,000

VA Funding Fee

VA Funding Fee

Estimated Closing Costs
$

Payment Comparison

Current Payment

$0

→

New Payment

$0

Monthly Savings$0

Refinance Loan Summary

Current Loan Balance$400,000
Cash-Out Amount$0
VA Funding Fee$0
Closing Costs$0
Total New Loan Amount$0

Break-Even & Lifetime Interest

Estimated Break-Even Point—
Total Interest — Current Loan$0
Total Interest — New Loan$0
Lifetime Interest Savings$0

Estimated Monthly Savings

$0/mo

Have a Question About Your Scenario?

This calculator provides an estimate only. Actual rates, fees, closing costs, and savings will vary based on your individual loan scenario and underwriting. Contact Bryce Pierce for a personalized refinance analysis.

Bryce Pierce

NMLS #2415547

CA DRE #02423885

IG f in

Company

E Mortgage Capital, INC.

18071 Fitch Suite 200, Irvine, CA 92614

NMLS #1416824

nmlsconsumeraccess.org

Serving Oceanside, Carlsbad, Vista, San Marcos, Escondido, Camp Pendleton and San Diego County, California.

Equal Housing Opportunity. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency. This is not a commitment to lend. All loans are subject to credit approval, income and asset verification, and property appraisal. Rates and terms are subject to change without notice. Client testimonials reflect individual experiences; results vary and are not a guarantee of future outcomes.

© 2026 Bryce Pierce