Calculator · Debt consolidation refinance
Debt consolidation refinance calculator.
Rolling debt into a mortgage can lower monthly cash flow — but it may extend debt, increase total interest, and put unsecured balances against your home. Model carefully. Planning only. Not a loan offer or rate quote.
Three things to stress-test.
Use real balances and real rates
Pull the actual balances and rates from each card, auto loan, or installment. Estimates here flatter the consolidation; honest numbers are what tell you whether it actually wins on total cost.
Look at total cost, not just monthly
A lower monthly payment can feel like a win even when total interest goes up over the longer mortgage term. Read both numbers — monthly change and lifetime cost — before deciding.
Plan what you do with the freed cash flow
If the lower monthly gets re-spent on new debt, the consolidation isn't really working. The math only pencils if the freed cash actually funds reserves, payoff, or the original goal.
Current mortgage
Debts to consolidate
Each row models a debt as fixed monthly payment until paid off (planning simplification — real cards and loans accrue interest differently). Add up to 8 debts.
This calculator does not model each debt's own interest rate. Use it for cash-flow comparisons only — not lifetime-cost comparisons of the existing debts.
New mortgage scenario
Compare a hypothetical refinance — optionally consolidating your debts — against your current trajectory. Presets seed three pricing scenarios; adjust any field to model your own.
Decision outputs
Lower payment can increase total interest and turns unsecured debt into debt secured by your home.
Estimate only. Not a loan quote, approval, or commitment to lend. Interest rate inputs are not APRs. Final terms depend on verified borrower details, loan structure, property details, and market conditions.
The numbers look loud. The tradeoffs are bigger.
Unsecured debt becomes secured
Credit cards and personal loans are unsecured — the worst case is collections, not foreclosure. Rolled into a mortgage, those balances become secured against your home. That's a real risk shift the math doesn't capture.
Term reset matters
Paying off a 5-year auto loan with 30-year mortgage debt can look cheaper monthly while costing more in total. Term reset is the quiet cost of consolidation — the calculator can't decide whether that tradeoff is right for you.
It is not a refinance offer
Output is a planning estimate. Not a quote, not a rate lock, not an approval, not a commitment to lend. Real cash-out refinance terms depend on equity, credit, income, property, and current pricing.
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Planning tool only. This calculator provides estimates to help evaluate scenarios. It is not a loan offer, not a rate quote, and not a commitment to lend.
No APR and no Loan Estimate. Interest rate inputs are not APRs and results do not represent a Loan Estimate. Your official lender Loan Estimate and closing disclosure control final terms and costs.
Assumptions and limits. Results are based on the inputs you provide and standard amortization math. They do not include all settlement charges, escrows, prepaid items, taxes, insurance, HOA dues, mortgage insurance changes, credit score impacts, or underwriting conditions.
No approval or qualification. This calculator does not determine approval, eligibility, ability to repay, or affordability.
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