Mortgage cash-flow worksheet
Mortgage Refinance Comparison Tool
Compare a current mortgage with a proposed refinance, including debts selected for payoff. Monthly taxes, insurance, mortgage insurance, closing costs, and every debt assumption remain editable and visible.
CURRENT + PROPOSED CASH FLOW
Compare a refinance and debt-payoff scenario.
Current mortgage
Proposed mortgage
Debts
| Account | Monthly payment | Balance | Pay at closing? |
|---|---|---|---|
Use rounded scenario totals only. Do not enter borrower names, account numbers, property addresses, or other personal information.
ILLUSTRATIVE COMPARISON
- Current housing payment
- $3,566
- Proposed housing payment
- $3,234
- Total current outflow
- $4,296
- Total proposed outflow
- $3,234
- Annual cash-flow difference
- $12,740
- Five-year cash-flow difference
- $63,702
- Debts paid at closing
- $19,100
- Estimated cash after payoff + costs
- -$600
- Proposed loan payoff using new P&I + freed debt payments
- 17.2 years
- Simple full-term cash-flow difference
- $382,214
Educational cash-flow comparison only—not a refinance recommendation, quote, APR calculation, Loan Estimate, approval, or total-interest analysis. Taxes, insurance, escrow, mortgage insurance, points, lender credits, prepayment, closing-cost treatment, debt payoff timing, and the remaining term can materially change the result. A positive monthly difference does not prove that refinancing is beneficial.
What should a refinance comparison show?
A responsible comparison separates principal and interest, escrow items, mortgage insurance, debts paid at closing, debts retained, closing costs, remaining term, and cash-flow timing. Monthly savings alone do not establish that a refinance is beneficial.
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