Refinance / Debt Consolidation Calculator
Compare current debt payments with an estimated refinance payment and loan-to-value.
Debts to consolidate
Current total payments
$4,012
New mortgage payment
$2,932
Cash-flow change
$1,080
Estimated LTV
63.7%
Estimated breakeven: 6 months
Estimated new mortgage: $478,000. This compares monthly cash-flow relief against fees and penalty, but does not prove that total lifetime interest is lower.
Review calculation details
Loan-to-value, cash-flow, and long-term cost checks are available here if you want to inspect the risk flags behind the summary.
Loan-to-value
The estimated new mortgage is within the configured refinance LTV assumption.
Monthly cash flow
The refinance scenario improves estimated monthly cash flow.
Long-term cost warning
Moving short-term debt into a mortgage may lower payments but can increase total interest if stretched over many years.
Current market context
Public benchmark data can provide context, but it is not a mortgage quote, recommendation, or rate guarantee.
Loading current market context...