Operated by GoBuyLeads.com — Matched with Barrett Financial Group, L.L.C. (NMLS #181106) or Participating Lenders

VA IRRRL Streamline vs. VA Cash-Out Refinance Comparison Calculator

Compare the 0.50% Funding Fee VA IRRRL against a VA Cash-Out refinance with automatic 36-month recoupment verification.

Sub-Group 4G • VA Funding Fee, UFMIP & Eligibility Calculator✓ No SSN Required • Zero Credit Score Impact
$450,000
$0
5.750%
Amortization Term
Discount Points
Estimated Total Monthly PITIA Payment
$3,138/mo
Note Rate: 5.750% • TILA Reg Z APR: 5.905% APR • Loan: $452,250
Principal & Interest (P&I)$2,639/mo
Property Taxes + Insurance$499/mo
VA Monthly MIP / Fee$0 / mo (No PMI)
VA Funding Fee (0.5%)$2,250 Financed
VA IRRRL 0.50% NTB & Recoupment✓ PASS (13 Mo. Recoup <= 36 Mos)
GOVERNMENT NON-AFFILIATION DISCLAIMER: This website and its operator are NOT affiliated with, endorsed by, or acting on behalf of the U.S. Department of Veterans Affairs (VA), the Federal Housing Administration (FHA), the U.S. Department of Housing and Urban Development (HUD), the U.S. Department of Agriculture (USDA), or any federal, state, or local government agency.

2026 VA Zero-Down & IRRRL Underwriting Guidelines, Upfront Fees & Net Tangible Benefit Rules

VA Home Refinance Center (vahomerefinance.loan) models 2026 VA Zero-Down & IRRRL mortgage guidelines, calculating upfront government guarantee fees, monthly mortgage insurance, and statutory refinance recoupment rules. Qualified borrowers compare 0% to 3.5% minimum down payments, service-connected disability fee waivers, and 210-day seasoning requirements before matching with Barrett Financial Group, L.L.C. (NMLS #181106).

2026 VA, FHA, and USDA Government-Backed Residential Loan Comparison Matrix
Loan ProgramMin Down Payment / Max LTVUpfront Fee StructureMonthly MI / MIPRefinance Streamline Rule
VA Purchase & 0%-Down Loan0% Down (100% LTV with Full Entitlement)2.15% First Use / 3.30% Subsequent ($0 if VA Exempt)580–620+ FICO$0 Monthly PMI for life of loan + Disabled Veteran Fee Waiver
VA IRRRL Streamline Refinance0.50% Min Rate Drop (Fixed-to-Fixed NTB)0.50% Funding Fee ($0 if Service-Connected Exempt)210 Days Seasoning + 6 PaymentsMust recoup all closing fees within 36 months; no appraisal required
FHA 3.5%-Down Purchase Loan3.5% Down at 580+ FICO (10% at 500–579)1.75% Upfront MIP (UFMIP financed into loan)0.55% Annual MIP (Standard 30-Yr)Flexible DTI up to 56.9% with automated AUS approval
FHA Streamline Refinance0.50% Combined Rate + MIP Net Tangible Benefit1.75% UFMIP minus prorated refund within 36 mos210 Days Seasoning + 6 PaymentsNo home appraisal required; fast closing into lower fixed rate
USDA Section 502 Rural Housing0% Down (100% LTV in USDA-Eligible Areas)1.00% Upfront Guarantee Fee (Financed)0.35% Annual Fee • Income <= 115% AMILowest annual mortgage insurance rate of any low-down-payment program

How VA 36-Month Fee Recoupment and FHA UFMIP Refunds Protect Homeowners

Under federal statutory guidelines on vahomerefinance.loan, a VA Interest Rate Reduction Refinance Loan (IRRRL) must reduce the fixed interest rate by at least 0.50% and recoup all allowable closing costs within 36 months or less. Veterans with a 10% or higher VA disability rating pay $0 in VA Funding Fees.

VA Funding Fee & FHA Upfront MIP Statutory Schedule (2026)
Borrower ScenarioDown Payment / LTV TierStandard Upfront FeeDisability / Streamline RuleMonthly Insurance
VA Purchase (First-Time Use)Less than 5% Down Payment2.15% of Base Loan Amount$0 Fee with 10%+ VA Disability$0 Monthly PMI
VA Purchase (5% to 9.99% Down)5.00% – 9.99% Down Payment1.50% of Base Loan Amount$0 Fee with 10%+ VA Disability$0 Monthly PMI
VA Cash-Out RefinanceUp to 90%–100% Max LTV2.15% First Use / 3.30% Subsequent$0 Fee with 10%+ VA DisabilityPay off high-interest debt with $0 monthly PMI
FHA Cash-Out RefinanceUp to 80.0% Max LTV1.75% Upfront MIP (UFMIP)12 Months Occupancy & On-Time Payments0.55% Annual MIP; accessible at 600+ FICO

Frequently Asked Questions — VA Home Refinance Center (vahomerefinance.loan)

Does using the interactive calculator on vahomerefinance.loan require my Social Security Number or impact my credit score?

No. Steps 1 through 3 of the interactive calculator on vahomerefinance.loan run 100% in real time with zero SSN required and zero impact to your credit score. Only on Step 4 can you optionally request a personalized Loan Estimate with express written TCPA consent.

Who operates vahomerefinance.loan and which licensed mortgage entities review my inquiry?

VA Home Refinance Center (vahomerefinance.loan) is operated by GoBuyLeads LLC, a non-originating lead generation and rate comparison marketplace. Inquiries are matched with Barrett Financial Group, L.L.C. (NMLS #181106) or participating licensed mortgage lenders.

How do the VA Funding Fee disability waiver and FHA 1.75% UFMIP work?

Veterans receiving VA compensation for a service-connected disability (10% or higher rating) or surviving spouses eligible for DIC are 100% exempt from the VA Funding Fee ($0 fee on purchase, IRRRL, and cash-out loans). On FHA loans, the 1.75% Upfront Mortgage Insurance Premium (UFMIP) is typically financed into the loan balance alongside the 0.55% annual MIP.

How is my refinance break-even timeline calculated?

Your refinance break-even month is calculated by dividing total non-escrow loan closing costs by your net monthly payment reduction (Old P&I+MI minus New P&I+MI). For example, $3,600 in closing costs divided by $200/month in savings equals an 18-month break-even timeline.