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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.
1 Home appraisal fees range from $150 to $450. 2  Other Refinancing Costs-This list of home refinance costs is by no means all-inclusive, but it does cover most of the common costs associated with home mortgage refinancing loans.