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VA Loan Refinance Calculator
VA Refinance Calculator is a financial tool to help VA homeowners to calculate the savings from refinancing their VA loans. The VA loan refinance calculator will show you the new monthly payments that include principal and interest.
VA Refinance Calculator |
|
New Monthly Payment: |
$902.73 |
Payoff Date: |
Jan, 2041 |
Closing Cost: |
$5,500.00 |
Other Expenses: |
$0.00 |
Interest Savings: |
$47,306.66 |
Total Savings: |
$41,806.66 |
VA Refinance Amortization Schedule |
||||||
| Payment Date | Payment # | Interest Paid | Principal Paid | Total Payment | Remaining Balance | |
|---|---|---|---|---|---|---|
| Feb, 2026 | 1 | $425.00 | $477.73 | $902.73 | $119,522.27 | |
| Mar, 2026 | 2 | $423.31 | $479.43 | $902.73 | $119,042.84 | |
| Apr, 2026 | 3 | $421.61 | $481.12 | $902.73 | $118,561.72 | |
| May, 2026 | 4 | $419.91 | $482.83 | $902.73 | $118,078.89 | |
| Jun, 2026 | 5 | $418.20 | $484.54 | $902.73 | $117,594.35 | |
| Jul, 2026 | 6 | $416.48 | $486.25 | $902.73 | $117,108.10 | |
| Aug, 2026 | 7 | $414.76 | $487.98 | $902.73 | $116,620.12 | |
| Sep, 2026 | 8 | $413.03 | $489.70 | $902.73 | $116,130.41 | |
| Oct, 2026 | 9 | $411.30 | $491.44 | $902.73 | $115,638.98 | |
| Nov, 2026 | 10 | $409.55 | $493.18 | $902.73 | $115,145.80 | |
| Dec, 2026 | 11 | $407.81 | $494.93 | $902.73 | $114,650.87 | |
| Jan, 2027 | 12 | $406.06 | $496.68 | $902.73 | $114,154.19 | |
| Feb, 2027 | 13 | $404.30 | $498.44 | $902.73 | $113,655.75 | |
| Mar, 2027 | 14 | $402.53 | $500.20 | $902.73 | $113,155.55 | |
| Apr, 2027 | 15 | $400.76 | $501.97 | $902.73 | $112,653.58 | |
| May, 2027 | 16 | $398.98 | $503.75 | $902.73 | $112,149.82 | |
| Jun, 2027 | 17 | $397.20 | $505.54 | $902.73 | $111,644.29 | |
| Jul, 2027 | 18 | $395.41 | $507.33 | $902.73 | $111,136.96 | |
| Aug, 2027 | 19 | $393.61 | $509.12 | $902.73 | $110,627.83 | |
| Sep, 2027 | 20 | $391.81 | $510.93 | $902.73 | $110,116.91 | |
| Oct, 2027 | 21 | $390.00 | $512.74 | $902.73 | $109,604.17 | |
| Nov, 2027 | 22 | $388.18 | $514.55 | $902.73 | $109,089.62 | |
| Dec, 2027 | 23 | $386.36 | $516.38 | $902.73 | $108,573.24 | |
| Jan, 2028 | 24 | $384.53 | $518.20 | $902.73 | $108,055.04 | |
| Feb, 2028 | 25 | $382.69 | $520.04 | $902.73 | $107,535.00 | |
| Mar, 2028 | 26 | $380.85 | $521.88 | $902.73 | $107,013.12 | |
| Apr, 2028 | 27 | $379.00 | $523.73 | $902.73 | $106,489.39 | |
| May, 2028 | 28 | $377.15 | $525.58 | $902.73 | $105,963.81 | |
| Jun, 2028 | 29 | $375.29 | $527.45 | $902.73 | $105,436.36 | |
| Jul, 2028 | 30 | $373.42 | $529.31 | $902.73 | $104,907.05 | |
| Aug, 2028 | 31 | $371.55 | $531.19 | $902.73 | $104,375.86 | |
| Sep, 2028 | 32 | $369.66 | $533.07 | $902.73 | $103,842.79 | |
| Oct, 2028 | 33 | $367.78 | $534.96 | $902.73 | $103,307.83 | |
| Nov, 2028 | 34 | $365.88 | $536.85 | $902.73 | $102,770.98 | |
| Dec, 2028 | 35 | $363.98 | $538.75 | $902.73 | $102,232.23 | |
| Jan, 2029 | 36 | $362.07 | $540.66 | $902.73 | $101,691.56 | |
| Feb, 2029 | 37 | $360.16 | $542.58 | $902.73 | $101,148.99 | |
| Mar, 2029 | 38 | $358.24 | $544.50 | $902.73 | $100,604.49 | |
| Apr, 2029 | 39 | $356.31 | $546.43 | $902.73 | $100,058.06 | |
| May, 2029 | 40 | $354.37 | $548.36 | $902.73 | $99,509.70 | |
| Jun, 2029 | 41 | $352.43 | $550.30 | $902.73 | $98,959.40 | |
| Jul, 2029 | 42 | $350.48 | $552.25 | $902.73 | $98,407.14 | |
| Aug, 2029 | 43 | $348.53 | $554.21 | $902.73 | $97,852.94 | |
| Sep, 2029 | 44 | $346.56 | $556.17 | $902.73 | $97,296.76 | |
| Oct, 2029 | 45 | $344.59 | $558.14 | $902.73 | $96,738.62 | |
| Nov, 2029 | 46 | $342.62 | $560.12 | $902.73 | $96,178.50 | |
| Dec, 2029 | 47 | $340.63 | $562.10 | $902.73 | $95,616.40 | |
| Jan, 2030 | 48 | $338.64 | $564.09 | $902.73 | $95,052.31 | |
| Feb, 2030 | 49 | $336.64 | $566.09 | $902.73 | $94,486.22 | |
| Mar, 2030 | 50 | $334.64 | $568.10 | $902.73 | $93,918.12 | |
| Apr, 2030 | 51 | $332.63 | $570.11 | $902.73 | $93,348.02 | |
| May, 2030 | 52 | $330.61 | $572.13 | $902.73 | $92,775.89 | |
| Jun, 2030 | 53 | $328.58 | $574.15 | $902.73 | $92,201.74 | |
| Jul, 2030 | 54 | $326.55 | $576.19 | $902.73 | $91,625.55 | |
| Aug, 2030 | 55 | $324.51 | $578.23 | $902.73 | $91,047.32 | |
| Sep, 2030 | 56 | $322.46 | $580.27 | $902.73 | $90,467.05 | |
| Oct, 2030 | 57 | $320.40 | $582.33 | $902.73 | $89,884.72 | |
| Nov, 2030 | 58 | $318.34 | $584.39 | $902.73 | $89,300.33 | |
| Dec, 2030 | 59 | $316.27 | $586.46 | $902.73 | $88,713.86 | |
| Jan, 2031 | 60 | $314.19 | $588.54 | $902.73 | $88,125.33 | |
| Feb, 2031 | 61 | $312.11 | $590.62 | $902.73 | $87,534.70 | |
| Mar, 2031 | 62 | $310.02 | $592.72 | $902.73 | $86,941.99 | |
| Apr, 2031 | 63 | $307.92 | $594.81 | $902.73 | $86,347.17 | |
| May, 2031 | 64 | $305.81 | $596.92 | $902.73 | $85,750.25 | |
| Jun, 2031 | 65 | $303.70 | $599.04 | $902.73 | $85,151.22 | |
| Jul, 2031 | 66 | $301.58 | $601.16 | $902.73 | $84,550.06 | |
| Aug, 2031 | 67 | $299.45 | $603.29 | $902.73 | $83,946.77 | |
| Sep, 2031 | 68 | $297.31 | $605.42 | $902.73 | $83,341.35 | |
| Oct, 2031 | 69 | $295.17 | $607.57 | $902.73 | $82,733.78 | |
| Nov, 2031 | 70 | $293.02 | $609.72 | $902.73 | $82,124.06 | |
| Dec, 2031 | 71 | $290.86 | $611.88 | $902.73 | $81,512.19 | |
| Jan, 2032 | 72 | $288.69 | $614.05 | $902.73 | $80,898.14 | |
| Feb, 2032 | 73 | $286.51 | $616.22 | $902.73 | $80,281.92 | |
| Mar, 2032 | 74 | $284.33 | $618.40 | $902.73 | $79,663.52 | |
| Apr, 2032 | 75 | $282.14 | $620.59 | $902.73 | $79,042.93 | |
| May, 2032 | 76 | $279.94 | $622.79 | $902.73 | $78,420.14 | |
| Jun, 2032 | 77 | $277.74 | $625.00 | $902.73 | $77,795.14 | |
| Jul, 2032 | 78 | $275.52 | $627.21 | $902.73 | $77,167.93 | |
| Aug, 2032 | 79 | $273.30 | $629.43 | $902.73 | $76,538.50 | |
| Sep, 2032 | 80 | $271.07 | $631.66 | $902.73 | $75,906.84 | |
| Oct, 2032 | 81 | $268.84 | $633.90 | $902.73 | $75,272.94 | |
| Nov, 2032 | 82 | $266.59 | $636.14 | $902.73 | $74,636.80 | |
| Dec, 2032 | 83 | $264.34 | $638.40 | $902.73 | $73,998.40 | |
| Jan, 2033 | 84 | $262.08 | $640.66 | $902.73 | $73,357.75 | |
| Feb, 2033 | 85 | $259.81 | $642.93 | $902.73 | $72,714.82 | |
| Mar, 2033 | 86 | $257.53 | $645.20 | $902.73 | $72,069.62 | |
| Apr, 2033 | 87 | $255.25 | $647.49 | $902.73 | $71,422.13 | |
| May, 2033 | 88 | $252.95 | $649.78 | $902.73 | $70,772.35 | |
| Jun, 2033 | 89 | $250.65 | $652.08 | $902.73 | $70,120.27 | |
| Jul, 2033 | 90 | $248.34 | $654.39 | $902.73 | $69,465.88 | |
| Aug, 2033 | 91 | $246.02 | $656.71 | $902.73 | $68,809.17 | |
| Sep, 2033 | 92 | $243.70 | $659.03 | $902.73 | $68,150.13 | |
| Oct, 2033 | 93 | $241.37 | $661.37 | $902.73 | $67,488.76 | |
| Nov, 2033 | 94 | $239.02 | $663.71 | $902.73 | $66,825.05 | |
| Dec, 2033 | 95 | $236.67 | $666.06 | $902.73 | $66,158.99 | |
| Jan, 2034 | 96 | $234.31 | $668.42 | $902.73 | $65,490.57 | |
| Feb, 2034 | 97 | $231.95 | $670.79 | $902.73 | $64,819.78 | |
| Mar, 2034 | 98 | $229.57 | $673.16 | $902.73 | $64,146.62 | |
| Apr, 2034 | 99 | $227.19 | $675.55 | $902.73 | $63,471.07 | |
| May, 2034 | 100 | $224.79 | $677.94 | $902.73 | $62,793.13 | |
| Jun, 2034 | 101 | $222.39 | $680.34 | $902.73 | $62,112.79 | |
| Jul, 2034 | 102 | $219.98 | $682.75 | $902.73 | $61,430.04 | |
| Aug, 2034 | 103 | $217.56 | $685.17 | $902.73 | $60,744.87 | |
| Sep, 2034 | 104 | $215.14 | $687.60 | $902.73 | $60,057.27 | |
| Oct, 2034 | 105 | $212.70 | $690.03 | $902.73 | $59,367.24 | |
| Nov, 2034 | 106 | $210.26 | $692.48 | $902.73 | $58,674.76 | |
| Dec, 2034 | 107 | $207.81 | $694.93 | $902.73 | $57,979.84 | |
| Jan, 2035 | 108 | $205.35 | $697.39 | $902.73 | $57,282.45 | |
| Feb, 2035 | 109 | $202.88 | $699.86 | $902.73 | $56,582.59 | |
| Mar, 2035 | 110 | $200.40 | $702.34 | $902.73 | $55,880.25 | |
| Apr, 2035 | 111 | $197.91 | $704.82 | $902.73 | $55,175.43 | |
| May, 2035 | 112 | $195.41 | $707.32 | $902.73 | $54,468.11 | |
| Jun, 2035 | 113 | $192.91 | $709.83 | $902.73 | $53,758.28 | |
| Jul, 2035 | 114 | $190.39 | $712.34 | $902.73 | $53,045.94 | |
| Aug, 2035 | 115 | $187.87 | $714.86 | $902.73 | $52,331.08 | |
| Sep, 2035 | 116 | $185.34 | $717.39 | $902.73 | $51,613.68 | |
| Oct, 2035 | 117 | $182.80 | $719.94 | $902.73 | $50,893.75 | |
| Nov, 2035 | 118 | $180.25 | $722.49 | $902.73 | $50,171.26 | |
| Dec, 2035 | 119 | $177.69 | $725.04 | $902.73 | $49,446.22 | |
| Jan, 2036 | 120 | $175.12 | $727.61 | $902.73 | $48,718.60 | |
| Feb, 2036 | 121 | $172.55 | $730.19 | $902.73 | $47,988.42 | |
| Mar, 2036 | 122 | $169.96 | $732.78 | $902.73 | $47,255.64 | |
| Apr, 2036 | 123 | $167.36 | $735.37 | $902.73 | $46,520.27 | |
| May, 2036 | 124 | $164.76 | $737.97 | $902.73 | $45,782.29 | |
| Jun, 2036 | 125 | $162.15 | $740.59 | $902.73 | $45,041.71 | |
| Jul, 2036 | 126 | $159.52 | $743.21 | $902.73 | $44,298.49 | |
| Aug, 2036 | 127 | $156.89 | $745.84 | $902.73 | $43,552.65 | |
| Sep, 2036 | 128 | $154.25 | $748.49 | $902.73 | $42,804.17 | |
| Oct, 2036 | 129 | $151.60 | $751.14 | $902.73 | $42,053.03 | |
| Nov, 2036 | 130 | $148.94 | $753.80 | $902.73 | $41,299.23 | |
| Dec, 2036 | 131 | $146.27 | $756.47 | $902.73 | $40,542.77 | |
| Jan, 2037 | 132 | $143.59 | $759.15 | $902.73 | $39,783.62 | |
| Feb, 2037 | 133 | $140.90 | $761.83 | $902.73 | $39,021.79 | |
| Mar, 2037 | 134 | $138.20 | $764.53 | $902.73 | $38,257.26 | |
| Apr, 2037 | 135 | $135.49 | $767.24 | $902.73 | $37,490.02 | |
| May, 2037 | 136 | $132.78 | $769.96 | $902.73 | $36,720.06 | |
| Jun, 2037 | 137 | $130.05 | $772.68 | $902.73 | $35,947.38 | |
| Jul, 2037 | 138 | $127.31 | $775.42 | $902.73 | $35,171.96 | |
| Aug, 2037 | 139 | $124.57 | $778.17 | $902.73 | $34,393.79 | |
| Sep, 2037 | 140 | $121.81 | $780.92 | $902.73 | $33,612.87 | |
| Oct, 2037 | 141 | $119.05 | $783.69 | $902.73 | $32,829.18 | |
| Nov, 2037 | 142 | $116.27 | $786.46 | $902.73 | $32,042.71 | |
| Dec, 2037 | 143 | $113.48 | $789.25 | $902.73 | $31,253.46 | |
| Jan, 2038 | 144 | $110.69 | $792.04 | $902.73 | $30,461.42 | |
| Feb, 2038 | 145 | $107.88 | $794.85 | $902.73 | $29,666.57 | |
| Mar, 2038 | 146 | $105.07 | $797.66 | $902.73 | $28,868.90 | |
| Apr, 2038 | 147 | $102.24 | $800.49 | $902.73 | $28,068.41 | |
| May, 2038 | 148 | $99.41 | $803.33 | $902.73 | $27,265.09 | |
| Jun, 2038 | 149 | $96.56 | $806.17 | $902.73 | $26,458.92 | |
| Jul, 2038 | 150 | $93.71 | $809.03 | $902.73 | $25,649.89 | |
| Aug, 2038 | 151 | $90.84 | $811.89 | $902.73 | $24,838.00 | |
| Sep, 2038 | 152 | $87.97 | $814.77 | $902.73 | $24,023.24 | |
| Oct, 2038 | 153 | $85.08 | $817.65 | $902.73 | $23,205.59 | |
| Nov, 2038 | 154 | $82.19 | $820.55 | $902.73 | $22,385.04 | |
| Dec, 2038 | 155 | $79.28 | $823.45 | $902.73 | $21,561.58 | |
| Jan, 2039 | 156 | $76.36 | $826.37 | $902.73 | $20,735.21 | |
| Feb, 2039 | 157 | $73.44 | $829.30 | $902.73 | $19,905.92 | |
| Mar, 2039 | 158 | $70.50 | $832.23 | $902.73 | $19,073.68 | |
| Apr, 2039 | 159 | $67.55 | $835.18 | $902.73 | $18,238.50 | |
| May, 2039 | 160 | $64.59 | $838.14 | $902.73 | $17,400.36 | |
| Jun, 2039 | 161 | $61.63 | $841.11 | $902.73 | $16,559.25 | |
| Jul, 2039 | 162 | $58.65 | $844.09 | $902.73 | $15,715.17 | |
| Aug, 2039 | 163 | $55.66 | $847.08 | $902.73 | $14,868.09 | |
| Sep, 2039 | 164 | $52.66 | $850.08 | $902.73 | $14,018.02 | |
| Oct, 2039 | 165 | $49.65 | $853.09 | $902.73 | $13,164.93 | |
| Nov, 2039 | 166 | $46.63 | $856.11 | $902.73 | $12,308.82 | |
| Dec, 2039 | 167 | $43.59 | $859.14 | $902.73 | $11,449.68 | |
| Jan, 2040 | 168 | $40.55 | $862.18 | $902.73 | $10,587.50 | |
| Feb, 2040 | 169 | $37.50 | $865.24 | $902.73 | $9,722.26 | |
| Mar, 2040 | 170 | $34.43 | $868.30 | $902.73 | $8,853.96 | |
| Apr, 2040 | 171 | $31.36 | $871.38 | $902.73 | $7,982.58 | |
| May, 2040 | 172 | $28.27 | $874.46 | $902.73 | $7,108.12 | |
| Jun, 2040 | 173 | $25.17 | $877.56 | $902.73 | $6,230.56 | |
| Jul, 2040 | 174 | $22.07 | $880.67 | $902.73 | $5,349.89 | |
| Aug, 2040 | 175 | $18.95 | $883.79 | $902.73 | $4,466.11 | |
| Sep, 2040 | 176 | $15.82 | $886.92 | $902.73 | $3,579.19 | |
| Oct, 2040 | 177 | $12.68 | $890.06 | $902.73 | $2,689.13 | |
| Nov, 2040 | 178 | $9.52 | $893.21 | $902.73 | $1,795.92 | |
| Dec, 2040 | 179 | $6.36 | $896.37 | $902.73 | $899.55 | |
| Jan, 2041 | 180 | $3.19 | $899.55 | $902.73 | $0.00 | |
VA Loan vs. Refinance |
||||||
| Original | VA Refinance | |||||
|---|---|---|---|---|---|---|
| Monthly Payment | $915.43 | $902.73 | ||||
| Total Interest | $89,798.80 | $42,492.14 | ||||
| Total Principal | $120,000.00 | $120,000.00 | ||||
| Total Payment | $209,798.80 | $162,492.14 | ||||
| Closing Cost | $0 | $5,500.00 | ||||
| Other Expenses | $0 | $0.00 | ||||
| Total Interest Savings | $0 | $47,306.66 | ||||
| Total Savings | $0 | $41,806.66 | ||||
| Payoff Date | Mar, 2045 | Jan, 2041 | ||||
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