Use this mortgage refinance calculator to get an estimate.

This home refinance 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.

Ready to refinance?

There are several benefits to refinancing a mortgage, such as changing terms, lowering monthly payments, getting access to cash for major purchases and reducing your interest rate. We offer a variety of home refinancing options and are ready to help you find the right choice for your needs.

Get more information about refinancing.

Learn about your refinancing options.

Traditional refinance

This low-cost mortgage refinancing option can lower your monthly payment or allow you pay off your house sooner.

See the benefits of a Traditional refinance.

Cash-out refinance

Use the equity in your home to pay for home improvements, a down payment on a second home or college tuition.

Find out if a Cash-out refinance is a good option for you.

Streamline refinance

Already have an existing mortgage with U.S. Bank? You may be eligible for a Streamline refinance. A Streamline refinance can be a good option if you’re looking for a quick and cost-effective way to refinance.

Learn more about a Streamline 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%.1

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.

Compare rates

Learn more about mortgages.

Should I refinance?

Find out if refinancing is right for you

How to refinance

Follow these steps if you’re considering refinancing

What is refinancing a mortgage?

Learn more about refinancing a mortgage
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Disclosures

  1. Estimated monthly payment and APR calculation are based on a down payment of 25% and borrower-paid finance charges of 0.862% of the base loan amount. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

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Calculators are provided by Leadfusion. This calculator is being provided for educational purposes only. The results are estimates that are based on information you provided and may not reflect U.S. Bank product terms. The information cannot be used by U.S. Bank to determine a client's eligibility for a specific product or service. All financial calculators are provided by the third-party Leadfusion and are not associated, controlled by or under the control of U.S. Bank, its affiliates or subsidiaries. U.S. Bank is not responsible for the content, results, or the accuracy of information.

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.