Tools Guides Compare By Lender About Contact
RecastDesk

Run the numbers before you call your servicer.

Clear answers on mortgage recasting: what it costs, who allows it, and whether it beats the alternatives. Every calculator runs in your browser — nothing is uploaded, nothing is stored.

Start here About this site

Free tools

They run entirely in your browser. Nothing is uploaded, nothing is stored, and closing the tab erases everything.

RECAST
Free tool

Mortgage Recast Calculator

Enter a balance and a lump sum. Get the new payment, the interest saved and how long the fee takes to earn back.
TARGET
Free tool

Lump Sum for a Target Payment

Name the monthly payment you want. It works out how much principal you would need to pay down to get there.
CASH
Free tool

Recast or Keep the Cash?

The same money, two routes. Compare paying down the mortgage against leaving it in savings.

Recently published

5
Guides

How to Recast Your Mortgage in 5 Steps

11 min read · Updated October 2026
MORTGAGE
Guides

Mortgage Recast Requirements: What Lenders Want

8 min read · Updated October 2026
MORTGAGE
Guides

What a Mortgage Recast Costs (Fees and Extras)

8 min read · Updated October 2026
MUCH
Guides

How Much Principal You Need to Recast

8 min read · Updated October 2026
RECAST
Guides

Can You Recast Right After Refinancing?

8 min read · Updated October 2026
RECASTING
Guides

Recasting FHA, VA and USDA Loans

8 min read · Updated October 2026