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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.
USDA Up front âGuarantee Feeâ (this is the upfront fee the USDA charges to participate in the Rural Housing program and is usually financed (rolled into) the borrower new loan). USDA Purchase & USDA refinance transactions: new fee effective 2015 â 2% (no change). An example of how the upfront fee is calculated.For a sales price of $150,000, the upfront fee would be 2% or $3000, and typically that would be added to the loan amount to make the final loan amount $153,000.he upfront USDA Guarantee Fee for all new Florida USDA 502 Guarantee purchase and refinance loans as of October 1 2014 â October 1 2015 will be as follows: