VA IRRRL Savings Calculator — Will a VA Rate Reduction Save You Money?

VA Rate Reduction Estimator

Enter a few basic numbers — we'll do the math instantly

No personal info needed

Property

Loan Info

Results

First Name *

Please enter your first name.

Last Name *

Please enter your last name.

Property Address *

Used to look up your existing loan details — we will never pull your credit.

Please enter your property address.

VA disability rating of 10% or higher? *

🎖️ Yes — 10%+

👤 No

A 10%+ VA disability rating waives the VA funding fee — this directly affects your estimate.

Your Current Interest Rate *

Be as precise as you can—it matters for your savings estimate.

Please enter a valid rate between 1% and 15%.

Current Monthly PITI Payment *

Your total monthly payment — principal, interest, taxes, and insurance (the total you send your mortgage servicer each month).

Please enter your total monthly PITI payment.

Helps us be more precise

We didn’t find a public loan record for this address. If you remember them, add your original loan amount and loan closing month and year (best estimate is fine) — we’ll use them to sharpen the balance math and pass them to your loan specialist.

Original loan amount optional

Original loan date optional

Loan closing month and year — best estimate is fine.

Mortgage lates in last 12 months optional

Estimated credit score range optional

We found a loan record for your property

Take a quick look before we run the numbers — this helps us give you the most accurate estimate.

Proposed rate

Estimated current loan balance

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Est. Monthly Savings

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per month (PITI vs PITI)

Break-even

—

months to recoup costs

5-Year Total Savings

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if you stay in the home

Rate Reduction

—

points lower than today

Payment Breakdown

Current

Total PITI —

↳ P&I —

↳ Est. Escrow —

→

New (est.)

Total PITI —

↳ P&I —

↳ Escrow —

Get Your Exact Numbers — Book a Free 15-Min Call →

This estimate is based on the numbers you provided and current VA IRRRL guidelines. Assumes a new 30-year term. Actual rates, fees, and qualification requirements vary by lender. This is not a loan application, commitment, or guarantee of financing. All figures are approximations for educational purposes only.

Will a VA Rate ReductionSave You Money?

VA Rate Reduction Estimator

We found a loan record for your property

Ready to See Your Real Numbers?

Will a VA Rate Reduction
Save You Money?