To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

Use this calculator to find out how much you could save on your monthly payment and determine your break-even point—the point when you would start saving money after offsetting the total costs and fees associated with a refinance loan.

This calculator is for general education purposes only and is not an illustration of current Navy Federal products and offers.

More About Mortgages

Find the Best Mortgage for You

Our great mortgage rates will bring you home. We've got options for military members, first-time homebuyers or those looking to finance.

Learn more about the mortgages available from Navy Federal


Make Sense of Home Buying

Get clear, step-by-step information on the home-buying process, from understanding mortgages to homeowner essentials.

Learn more about the home-buying process


Mortgage Calculators

From estimating closing costs to deciding how much home you can afford, our calculators can help you make decisions about your mortgage.

Learn more with our mortgage calculators