Tool
Recoupment calculator
Rule check
Enter the fees and closing costs the statute counts, your current monthly principal and interest and the new figure from the lender. The calculator divides costs by the monthly reduction and compares the result with the 36-month limit. Fields start empty; nothing is stored. Not a government tool.
Last reviewed against the primary sources listed below.
IRRRL Recoup Check · https://vastreamlinerefinance.loan/recoupment-calculator.html · General education only; nothing you entered was stored.
How to read your result
The result shows months to recoup costs from the monthly change you entered.
- Months: costs divided by savings.
- Limit: VA's recoupment period.
- Next: verify on the Loan Estimate.
What to do next
Check the recoupment figure on your lender's disclosures.
Limits
The lender's certification controls. This screen does not check seasoning, the rate test or exemptions.
IRRRL questions
What if my payment does not go down?
Recoupment through lower payments is then impossible, except where the statute provides otherwise, such as some adjustable-to-fixed cases. Ask your lender.