VA Refinance & Debt Consolidation Calculator
Compare IRRRL rate reduction vs. cash-out refinance. See your blended rate when consolidating high-interest debts into one low VA mortgage payment.
Your Current Loan
Before vs. After
Ready to Lower Your Rate?
VA IRRRL — no appraisal, no income docs. See your real rate in seconds.
GET MY IRRRL RATE →Your Current Mortgage
Debts to Consolidate (Cash Out)
Before (What You Pay Now)
After (Cash-Out Refi)
Blended Rate Analysis
See If Cash-Out Makes Sense for You
A VA Loan Specialist can run your exact numbers and show you the real savings. No hard credit check.
GET MY RATE →How This Calculator Works
VA IRRRL (Rate Reduction): The Interest Rate Reduction Refinance Loan is the fastest way to lower your VA mortgage rate. No appraisal, no income docs, and a funding fee of just 0.5%. This tab shows your monthly savings and break-even point when dropping to a lower rate. See our full VA IRRRL Streamline Refinance Guide for details.
Cash-Out & Debt Consolidation: A VA cash-out refinance lets you pull equity from your home and use it to pay off high-interest debts — credit cards, auto loans, personal loans, student loans. This tab calculates your blended rate (the weighted average interest rate across all your debts) and shows how consolidating everything into one low VA mortgage rate can dramatically reduce your total monthly payments.
Important: Consolidating short-term debts (like a 5-year auto loan) into a 30-year mortgage reduces your monthly payment but can increase total interest paid over the life of the loan. A VA Loan Specialist can show you the full picture and help you decide if the monthly cash flow relief outweighs the long-term cost. Read our full Cash-Out Refinance Guide.