VA IRRRL Calculator
Streamline refi math for veterans. Funding fee, seasoning check, rate-drop test, and break-even. Takes 60 seconds.
- 1 VA loan today
- 2 New rate offer
- 3 Funding fee
- 4 Your results
Your VA loan today
The IRRRL is the simplest refi in mortgage lending -- no appraisal in most cases, no income docs, no DTI check. We just need your current loan numbers and how long you have had it.
New rate offer
VA's net tangible benefit rule for fixed-to-fixed IRRRLs requires the new rate to be at least 0.50 percentage points lower than your current rate. We flag you if the offer does not meet that threshold.
Your refinance numbers
Here's what the math says. Below that, real lenders compete for your loan if you want quotes.
- New monthly payment
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- Monthly savings
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- Break-even
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- Funding fee
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- Lifetime savings
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- Rate drop requirement
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Want personalized rate quotes from up to 5 vetted lenders?
Lenders compete for your refi. No credit pull. No upfront fees. Your math above is yours to keep either way.
You're in.
Up to 5 lenders will reach out within 1 business day with their best refi rate for your scenario. No credit pull required for quotes. Reply STOP anytime to opt out. Your math above is yours to keep.
While you wait — read upNumbers above are estimates from standard mortgage math and 2026 program rules. Your actual rate depends on your credit, debt-to-income, property type, and lender pricing. RobotRefi is not a lender and does not originate loans.
How RobotRefi calculates this
Funding fee rolls into the new loan
VA's 2026 IRRRL funding fee is 0.50% of the loan amount, flat. No tiered structure anymore. It gets added to the new loan balance, which raises the principal you are amortizing. The calculator adds funding fee plus closing costs to the balance before computing the new payment.
Two hard gates before the math matters
Seasoning: 210 days plus 6 payments. Net tangible benefit: 0.50% rate drop for fixed-to-fixed. Both must pass before a lender can submit the IRRRL to VA. If either fails, the loan does not close regardless of what the payment math shows.
Break-even includes everything upfront
Break-even = (funding fee + closing costs) / monthly savings. It tells you the exact month the IRRRL starts paying for itself net of all upfront costs. The lifetime savings figure subtracts those costs from total interest avoided over the remaining loan term.