OmniTools | Real Estate & Auto

HELOC vs. Cash-Out Refinance Breakeven

Compare keeping your low-rate mortgage and adding a HELOC versus refinancing the entire balance at a new rate. Which one is actually cheaper per month?

Current Mortgage

The New Cash Out

Scenario A

Keep Mortgage + HELOC

Current P&I $0
HELOC Payment (Int. Only) $0

Total Monthly Cost

$0

Plus you maintain your low rate.

Scenario B

Cash-Out Refinance

New Loan Amount $0
New P&I Payment $0

Total Monthly Cost

$0

Includes closing costs rolled in.

The Verdict

Calculating the best route...