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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.
Interest Rate Reduction Refinance Loan. You are not required to pay your funding fee upfront. In fact, most people will roll this fee onto the loan. One of the biggest reasons people get a VA loan is because you don't need any money down. This is the same case when you refinance.