RateRecast Scenario Index
2,800 pre-calculated loan recast models under Fannie Mae Servicing Guide F-1-05. Instant monthly payment savings, lifetime interest reduction, and tax-equivalent yield benchmarks.
Popular High-Intent Benchmarks (Tier 1 & Tier 2)
Chase Mortgage Recast Calculator ($0 Fee, $5,000 Minimum & Monthly Payment Drop)
Calculate your exact monthly mortgage payment reduction with JPMorgan Chase ($0 recast fee, $5,000 minimum lump-sum curtailment under Fannie Mae Guide F-1-05).
Wells Fargo Mortgage Recast Calculator ($250 Fee, Rules & Payment Drop)
Calculate your monthly payment reduction and lifetime interest savings for a Wells Fargo mortgage recast ($250 processing fee, $5,000 or 10% minimum lump sum).
Rocket Mortgage Recast Calculator ($250 Fee, $10,000 Minimum & Savings)
Calculate how much a lump-sum principal recast lowers your Rocket Mortgage monthly payment ($250 fee, $10,000 minimum curtailment, conventional loan eligibility).
Mr. Cooper Mortgage Recast Calculator ($250 Fee, $10,000 Minimum & Payment Drop)
Calculate your exact monthly payment drop and lifetime interest savings with a Mr. Cooper mortgage recast ($250 processing fee, $10,000 minimum lump sum).
PennyMac Mortgage Recast Calculator ($250 Fee, Conventional Rules & Savings)
Model your PennyMac mortgage recast monthly payment reduction, lifetime interest saved, and conventional F-1-05 eligibility vs FHA/VA exclusions.
Bank of America Mortgage Recast Calculator ($0 Fee, $5,000 Minimum & Savings)
Calculate your Bank of America mortgage recast payment drop ($0 administrative fee, $5,000 minimum principal curtailment, zero credit check required).
U.S. Bank Mortgage Recast Calculator ($250 Fee, $5,000 Minimum & Savings)
Calculate how much a U.S. Bank mortgage recast lowers your monthly P&I payment ($250 fee, $5,000 minimum lump-sum principal reduction).
Citi Mortgage Recast Calculator ($250 Fee, $5,000 Minimum & Payment Drop)
Calculate your Citibank mortgage recast monthly payment savings, lifetime interest reduction, and $250 processing fee break-even timeline.
Mortgage Recast vs Refinance Calculator ($250 Recast Fee vs $5,000 Closing Costs)
Compare a $250 mortgage recast against a $5,000 refinance. Keep your existing interest rate while lowering your required monthly payment.
$20,000 Mortgage Recast Calculator (Monthly Payment Drop & Interest Saved)
Calculate how much a $20,000 lump-sum mortgage recast lowers your monthly P&I payment and eliminates lifetime interest across 3% to 7% mortgage rates.
$50,000 Mortgage Recast Calculator (Monthly Payment Drop & Interest Saved)
Calculate how much a $50,000 lump-sum mortgage recast lowers your monthly payment, saves in lifetime interest, and compares against Treasury yields.
$100,000 Mortgage Recast Calculator (Monthly Payment Drop & Interest Saved)
Calculate how much a $100,000 lump-sum mortgage recast lowers your monthly payment after selling a prior home, without refinancing your interest rate.
How Much Does a Mortgage Recast Lower Your Monthly Payment? (Formula & Table)
See the exact mathematical formula and benchmark table showing how much a $10k, $25k, $50k, or $100k mortgage recast lowers your monthly payment.
Fannie Mae Mortgage Recast Rules (Servicing Guide F-1-05 Eligibility & Calculator)
Complete guide and calculator for Fannie Mae Servicing Guide F-1-05 mortgage recast eligibility, minimum lump-sum requirements, and FHA/VA exclusions.
Mortgage Recast Fee by Servicer (Chase, Wells Fargo, Rocket, BofA & Mr. Cooper)
Compare mortgage recast processing fees ($0 to $250), minimum principal curtailments ($5,000 to $10,000), and seasoning rules across top US loan servicers.
Lump-Sum Mortgage Recast Calculator (Amortization Re-Indexing vs Extra Payments)
Compare a formal lump-sum mortgage recast (which lowers your required monthly P&I payment) against standard extra principal curtailment (which only shortens term).
Freedom Mortgage Recast Calculator ($250 Fee, Conventional vs FHA/VA Rules)
Calculate your Freedom Mortgage recast monthly payment reduction ($250 processing fee, $10,000 minimum curtailment on conventional Fannie/Freddie loans).
Flagstar Bank Mortgage Recast Calculator ($250 Fee, Minimum & Payment Drop)
Calculate your monthly mortgage payment drop and lifetime interest savings with a Flagstar Bank mortgage recast ($250 fee, $10,000 minimum lump sum).
Truist Mortgage Recast Calculator ($250 Fee, $10,000 Minimum & Payment Savings)
Calculate how much a Truist Bank mortgage recast lowers your monthly P&I payment ($250 processing fee, $10,000 minimum principal curtailment).
PNC Bank Mortgage Recast Calculator ($250 Fee, $10,000 Minimum & Savings)
Calculate your PNC Bank mortgage recast monthly payment reduction, lifetime interest savings, and Fannie Mae F-1-05 servicer requirements.
Fifth Third Bank Mortgage Recast Calculator ($250 Fee, Rules & Payment Drop)
Calculate how much a lump-sum mortgage recast with Fifth Third Bank lowers your required monthly mortgage payment and total lifetime interest.
Citizens Bank Mortgage Recast Calculator ($250 Fee, Minimum & Payment Drop)
Calculate your Citizens Bank mortgage recast monthly payment drop, 360-month re-amortization schedule, and $10,000 minimum lump-sum rules.
Regions Bank Mortgage Recast Calculator ($250 Fee, Rules & Payment Drop)
Calculate your Regions Mortgage recast monthly payment reduction, lifetime interest saved, and conventional loan re-amortization rules.
BMO Mortgage Recast Calculator ($250 Fee, $10,000 Minimum & Payment Drop)
Calculate how much a BMO Bank mortgage recast lowers your monthly P&I payment while preserving your existing low mortgage interest rate.
Navy Federal Mortgage Recast Calculator ($250 Fee, Conventional vs VA Rules)
Calculate your Navy Federal Credit Union (NFCU) mortgage recast monthly payment drop ($250 fee on conventional loans; compare VA IRRRL alternatives).
Guild Mortgage Recast Calculator ($250 Fee, $10,000 Minimum & Payment Drop)
Calculate how much a lump-sum principal recast lowers your Guild Mortgage monthly payment, lifetime interest cost, and break-even timeline.
loanDepot Mortgage Recast Calculator ($250 Fee, $10,000 Minimum & Savings)
Calculate your loanDepot mortgage recast monthly payment reduction ($250 fee, $10,000 minimum lump-sum curtailment on conventional Fannie/Freddie loans).
Newrez & Caliber Home Loans Mortgage Recast Calculator ($250 Fee & Savings)
Calculate your Newrez and Caliber Home Loans mortgage recast monthly payment reduction, $250 processing fee break-even, and $10,000 minimum rules.
Shellpoint Mortgage Servicing Recast Calculator ($250 Fee, Rules & Savings)
Calculate how much a Shellpoint Mortgage Servicing (Newrez) lump-sum recast lowers your monthly P&I payment under Fannie Mae Guide F-1-05.
Carrington Mortgage Recast Calculator (Conventional Rules & Payment Drop)
Calculate your Carrington Mortgage Services recast monthly payment reduction, conventional eligibility, and lifetime interest savings.
$10,000 Mortgage Recast Calculator (Monthly Payment Drop & Interest Saved)
Calculate how much a $10,000 lump-sum mortgage recast lowers your monthly P&I payment, saves in lifetime interest, and compares against HYSA yields.
$15,000 Mortgage Recast Calculator (Monthly Payment Drop & Interest Saved)
Calculate how much a $15,000 lump-sum mortgage recast lowers your monthly mortgage payment and eliminates lifetime interest.
$25,000 Mortgage Recast Calculator (Monthly Payment Drop & Interest Saved)
Calculate how much a $25,000 lump-sum mortgage recast lowers your monthly mortgage payment, lifetime interest cost, and break-even timeline.
$30,000 Mortgage Recast Calculator (Monthly Payment Drop & Interest Saved)
Calculate how much a $30,000 lump-sum mortgage recast lowers your monthly P&I payment and compares against fixed-income Treasury yields.
$75,000 Mortgage Recast Calculator (Monthly Payment Drop & Interest Saved)
Calculate how much a $75,000 lump-sum mortgage recast lowers your monthly mortgage payment and eliminates decades of compound interest.
$150,000 Mortgage Recast Calculator (Home Sale Proceeds & Payment Drop)
Calculate how much a $150,000 lump-sum mortgage recast from prior home sale proceeds lowers your monthly payment without refinancing.
$200,000 Mortgage Recast Calculator (Home Sale Proceeds & Payment Drop)
Calculate how much a $200,000 lump-sum mortgage recast lowers your monthly payment, adjusts IRS Schedule A ($750k cap) tax drag, and saves lifetime interest.
JPMorgan Chase $50,000 Lump-Sum Mortgage Recast Calculator ($0 Fee & Payment Drop)
Calculate your exact JPMorgan Chase monthly mortgage payment reduction on a $50,000 lump-sum recast ($0 processing fee, $5,000 minimum curtailment).
Rocket Mortgage $50,000 Lump-Sum Recast Calculator ($250 Fee & Payment Drop)
Calculate your exact Rocket Mortgage monthly payment reduction on a $50,000 lump-sum recast ($250 processing fee, $10,000 minimum curtailment).
Wells Fargo $100,000 Lump-Sum Mortgage Recast Calculator ($250 Fee & Payment Drop)
Calculate your exact Wells Fargo Home Mortgage monthly payment drop on a $100,000 lump-sum recast ($250 fee, Fannie Mae F-1-05 servicing rules).
How Much Will a $10,000 Recast Lower a $200,000 Mortgage at 3.25%? (JPMorgan Chase)
Calculate the exact monthly payment drop, interest saved, and JPMorgan Chase servicer rules for a $10,000 lump-sum recast on a $200,000 mortgage at 3.25%. Compare recasting vs refinancing.
How Much Will a $10,000 Recast Lower a $200,000 Mortgage at 3.25%? (Rocket Mortgage)
Calculate the exact monthly payment drop, interest saved, and Rocket Mortgage servicer rules for a $10,000 lump-sum recast on a $200,000 mortgage at 3.25%. Compare recasting vs refinancing.
How Much Will a $10,000 Recast Lower a $200,000 Mortgage at 3.25%? (Wells Fargo)
Calculate the exact monthly payment drop, interest saved, and Wells Fargo servicer rules for a $10,000 lump-sum recast on a $200,000 mortgage at 3.25%. Compare recasting vs refinancing.
How Much Will a $10,000 Recast Lower a $200,000 Mortgage at 3.25%? (PennyMac)
Calculate the exact monthly payment drop, interest saved, and PennyMac servicer rules for a $10,000 lump-sum recast on a $200,000 mortgage at 3.25%. Compare recasting vs refinancing.
How Much Will a $10,000 Recast Lower a $200,000 Mortgage at 3.25%? (Mr. Cooper)
Calculate the exact monthly payment drop, interest saved, and Mr. Cooper servicer rules for a $10,000 lump-sum recast on a $200,000 mortgage at 3.25%. Compare recasting vs refinancing.
How Much Will a $10,000 Recast Lower a $200,000 Mortgage at 3.25%? (Bank of America)
Calculate the exact monthly payment drop, interest saved, and Bank of America servicer rules for a $10,000 lump-sum recast on a $200,000 mortgage at 3.25%. Compare recasting vs refinancing.
How Much Will a $10,000 Recast Lower a $200,000 Mortgage at 3.25%? (Freedom Mortgage)
Calculate the exact monthly payment drop, interest saved, and Freedom Mortgage servicer rules for a $10,000 lump-sum recast on a $200,000 mortgage at 3.25%. Compare recasting vs refinancing.
How Much Will a $10,000 Recast Lower a $200,000 Mortgage at 3.25%? (U.S. Bank)
Calculate the exact monthly payment drop, interest saved, and U.S. Bank servicer rules for a $10,000 lump-sum recast on a $200,000 mortgage at 3.25%. Compare recasting vs refinancing.
How Much Will a $10,000 Recast Lower a $200,000 Mortgage at 4.25%? (JPMorgan Chase)
Calculate the exact monthly payment drop, interest saved, and JPMorgan Chase servicer rules for a $10,000 lump-sum recast on a $200,000 mortgage at 4.25%. Compare recasting vs refinancing.
How Much Will a $10,000 Recast Lower a $200,000 Mortgage at 4.25%? (Rocket Mortgage)
Calculate the exact monthly payment drop, interest saved, and Rocket Mortgage servicer rules for a $10,000 lump-sum recast on a $200,000 mortgage at 4.25%. Compare recasting vs refinancing.