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A true no-cost refinance means you pay no money upfront and neither your loan amount nor your interest rate is increased to build any costs into your new loan. To calculate a break-even point, divide the anticipated total cost of your refinance by the monthly savings on your loan payment.
upfront. 1  very honest or forthright; open; candid. 2  in or into the public eye; conspicuous: an upfront position. 3  invested, paid, etc., ahead of time; at the beginning: an upfront payment of $21,000.