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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.
Fees. Three of the most common fees in a refinance are the application fee, the loan-origination fee and the home inspection fee. The application fee is the money you pay to have your application processed, which the Home Buying Institute estimates to be $75 to $300.