Sample mode

Refinance Analysis Sample

Refinance Analysis samples use the same result layout as live analyses. The numbers are examples for 1777 Beach Park Blvd, Foster City, CA 94404.

Compare the monthly payment change to the break-even period. A lower payment only helps if you keep the loan long enough.
Watch financed closing costs. Rolling fees into the loan can make cash due smaller while increasing balance.
Use the planned-stay net benefit as the main decision metric, then verify lender quotes.

Run with your numbers All tools

Reading path

Refinance Analysis Exported June 18, 2026, 1:19 AM

Refinance Analysis

Compare your current mortgage against a new loan option and see whether refinancing improves your monthly cost and long-term outcome.

Interactive sample

Example home image — Example only - not the real property

1777 Beach Park Blvd, Foster City, CA 94404

Property value: $1,810,000
Current loan balance: $980,000
Property type: Single-family home
Current rate: 7.1%
New rate: 6.2%
Planned stay: 9 years

Prepared Jun 18, 2026 Sample assumptions

Run with your numbers

Verdict

Strong Candidate

Refinancing is projected to save about $640/mo and leave you about $59,881 ahead over your planned 9 years stay.

Confidence: Sample

Key reasons

New monthly housing cost is lower under these assumptions.
Break-even is reached in about 1 year, 3 months.
The planned-stay comparison favors refinancing.
Closing costs are included in the new loan amount.

Monthly P&I savings

+$640/mo Current vs new loan

Monthly payment savings

+$640/mo Housing payment change

Break-even

15 months About 1.3 years

Planned-stay net benefit

+$59,881 Cash savings + balance impact

Cash due at closing

$0 Estimated upfront

Financed closing costs

$9,800 Added to new loan

Lifetime interest change

-$29 Estimated lower interest

Why this result?

What supports refinancing

Your new P&I payment is lower than the current loan.
Monthly housing cost drops immediately.
Break-even can arrive before your planned move if the timeline holds.
Lifetime interest is lower in this scenario.

What needs caution

Rolled closing costs increase the new loan balance.
Closing costs reduce near-term savings.
Resetting the loan term can hide true cost.
Small quote changes can affect the verdict.

What to verify / next

Lender fees and rate lock details.
Escrow, taxes, and insurance assumptions.
Competing lender quote context.
Updated rate or timeline assumptions.

Scenario comparison

9 years outlook

Current Loan

Current mortgage terms remain in place.

Current P&I: $6,670
Total monthly housing cost: $8,855
Cash due at closing: $0
Cash paid over 9 years: $956,331
Balance after stay: $842,918

Cash paid during stay$956,331

Cash paid over 9 years

$956,331 Current Loan

$887,226 Refinance

$59,881 Advantage

Refinance

The proposed new loan replaces the current mortgage.

New P&I: $6,030
Total monthly housing cost: $8,215
Cash due at closing: $0
Financed closing costs: $9,800
Cash paid over 9 years: $887,226
Balance after stay: $852,143

Planned-stay net benefit+$59,881

Refinancing is projected to leave you about $59,881 ahead over your planned stay after cash paid and loan balance impact.

Payment breakdown

Current P&I vs new P&I $6,670 -> $6,030 (+$640)

Property tax $1,795 -> $1,795 ($0)

Insurance $390 -> $390 ($0)

HOA $0 -> $0 ($0)

Total monthly housing cost $8,855 -> $8,215 (+$640)

Monthly payment change +$640/mo

Cash due at closing $0

Financed closing costs $9,800

What changes the answer

Stay period

Longer stays give monthly savings more time to offset costs.

Closing costs

Higher closing costs delay break-even and weaken the refi case.

New rate

Small rate changes can materially change the verdict.

Extra principal

Extra principal can speed payoff but changes cash-flow comparison.

Decision checklist

Quote details

Lender fees, APR, rate lock, and loan costs should match the Loan Estimate.

Lender comparison

Competing refinance offers can show whether the proposed terms are market-competitive.

Timeline sensitivity

Shorter and longer stay periods can materially change the result.

Lock readiness

The strongest case exists when the result still works after quote verification.

Sample mode uses example assumptions for education only. Changes here are not saved and are not financial, legal, tax, mortgage, insurance, appraisal, inspection, investment, or real estate advice.