Mortgage refinance costs

Use this mortgage refinance cost calculator to get an estimate.

This mortgage refinance cost calculator provides customized information based on the information you provide. But, it also makes some assumptions about mortgage insurance and other costs, which can be significant.

How much does it cost to refinance a mortgage?

Before you refinance, make sure you’re aware of the costs associated with doing so. The cost to refinance a mortgage can vary depending on several factors. For example, the interest rate, credit score and loan amount. Our mortgage refinance cost calculator can help you figure out how much it will cost to refinance your mortgage.

Get more information about refinancing.

Learn about your refinancing options.

Traditional Refinance

A Traditional Refinance might be a good option if you’re looking for a lower interest rate or a shorter term. It’s a low-cost way to get the most our of your home.

Learn more about a Traditional Refinance.

Cash-out Refinance

Take advantage of the equity in your home. Use it to pay for college tuition, home improvements or to buy a vacation home.

Get started with a Cash-out Refinance.

Existing customer credit offer

Current U.S. Bank customers with an existing first mortgage or a U.S. Bank Personal Checking Package may be eligible for a customer credit.1 Take 0.25% of your next first mortgage and deduct it from the closing costs, up to a maximum of $1,000 off.2

Learn how to save on your next mortgage loan.

Smart Refinance

This no-cost mortgage refinancing option can save you time and money. Take advantage of a simplified application process, flexible terms and no closing costs3 with a U.S. Bank Smart Refinance.

See the benefits of a Smart Refinance.

Estimated monthly payment and APR example: A $225,000 loan amount with a 30-year term at an interest rate of 3.875% with a down payment of 20% would result in an estimated monthly payment of $1,058.04 with an Annual Percentage Rate (APR) of 3.946%.4


Check out today’s mortgage rates.

Interest rates vary depending on the type of mortgage you choose. See the differences and how they can impact your monthly payment.

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Our mortgage specialists are ready to help.

An experienced mortgage loan officer is just a phone call or email away, with answers for just about any home-buying question.

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What is refinancing a mortgage?

Learn more about refinancing a mortgage