Mortgage Lab

Debt Consolidation Comparison

Explore how refinancing and paying off selected debts could change monthly cash flow, mortgage balance and repayment time.

Compare your current payments with a refinance

Start with the example, then enter your own numbers. This estimate stays on this page.

Current home and mortgage

Property ZIP codeApproximate home valueCurrent mortgage balanceCurrent mortgage interest rate (%)Remaining mortgage term (years)

Home value is used for ZIP tax and insurance planning estimates and the proposed loan-to-value calculation. Replace the example value with your own estimate.

Estimated annual property taxesEstimated annual homeowners insuranceMonthly HOA (optional)

Loading tax and insurance estimates… Use the estimates or enter your actual annual amounts. HOA defaults to $0.

Other debts to pay off

Debt 1

Include in proposed refinance

Debt name or typeCurrent balanceInterest rate / APR (%)Required monthly payment

Proposed refinance

Proposed refinance interest rate (%)Proposed term (years)

Estimated refinance closing costs Unavailable

This estimate covers transaction fees. Prepaid items and initial escrow are separate closing amounts.

Customize closing costs

These are the site's current refinance fee assumptions. Adjust a fee if you have a lender estimate.

Finance estimated closing costs into the new loan

Planning comparison

Debt Consolidation Comparison

Enter valid mortgage, property cost, debt, and refinance information to view the comparison. A positive included debt balance needs a monthly payment.

Proposed payment and APR unavailable: A valid scenario date is required. Enter a recognized ZIP or an annual property-tax amount. Enter a recognized ZIP or an annual homeowners-insurance amount. The planning policy is not active for this scenario date.