Make the numbers understandable.
Explore cash to close, credit utilization and a refinance break-even point. Numbers stay in your browser. These are educational calculations, not a quote, credit-score prediction or approval.
How much cash remains to bring?
Enter separate amounts without counting prepaids twice in closing costs. Credits must be permitted and confirmed by your lender.
Complete every field; enter 0 where appropriate.
Compare with Cash to Close on your Closing Disclosure. Reserves, moving and repairs need a separate budget. CFPB: Closing Disclosure
Explore your credit utilization.
Utilization is balance divided by credit limit. This calculation does not predict a credit score or application result.
Use a limit above zero and a payment no greater than the balance.
The issuer determines when balances are reported. Do not close accounts or change your strategy based only on this number.
Compare a simple break-even point.
Compare payments containing the same components. Costs ÷ monthly savings does not measure lifetime interest or determine VA eligibility.
Enter all three amounts to compare.
Resetting the term, financing costs or taking cash out changes total cost. Compare balances, remaining terms, rates and fees before deciding. VA purchase, IRRRL and cash-out