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What are typical refinancing closing costs?
Closing costs typically run 2–5% of the loan amount. On a $300,000 loan, expect $6,000–$15,000. Some lenders offer 'no-closing-cost' refinances by rolling the costs into the rate.
Find your refinance break-even point and total savings over your loan.
Use the Refinance Break-Even Calculator →By Sean Baldwin · Last reviewed July 2026 · Part of the Refinance Break-Even Calculator guide.