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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.
However, you will pay an upfront âfunding fee.â The amount of that fee varies based on: 1  Your type of military service. 2  Your down payment amount. 3  Your disability status. 4  Whether youâre buying a home or refinancing. 5  Whether this is your first VA loan, or youâve had a VA loan before.