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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.
Cash-Out Refinance. Maximum loan amount before adding the financed up-front mortgage insurance premium is the lower of the. following two calculations. STEP ONE. $ Loan limit for the county in which the property is located â Refer to FHA Mortgage Limit. Search Engine. STEP TWO. $ P rope tyValue.