VA IRRRL Savings Calculator
Calculate your potential savings when refinancing from a conventional loan to a VA loan
*VA rates average 0.375% lower than conventional rates based on 2024-2025 market data
$400,000
7.000%
6.625% (-0.375% spread)
Current Conventional Payment
$0
Principal & Interest Only
New VA Payment
$0
Principal & Interest Only
Your Potential Savings
Monthly Savings
$0
Annual Savings
$0
5-Year Savings
$0
Typical VA Funding Fee (2.15%):$8,600
Break-even (months):0
Note: This calculator provides estimates for principal and interest only. Actual payments will include taxes, insurance, and other fees. VA rates shown reflect average market spreads of 0.25-0.47% below conventional rates based on 2024-2025 data. Your actual rate will depend on credit score, loan amount, and market conditions.