REFINANCE

VA IRRRL

Compare P&I and interest rates, model fee recoupment, and screen standard seasoning inputs.

VA IRRRL Maximum Loan & Cash Back VA Standard Refinance: NTB & Seasoning

VALast agency guidance update: Jul 24, 2020Last verified: Nov 9, 2026Effective date: Jul 24, 2020

Agency guidanceSee verification scopeView guideline history

VA38 U.S.C. § 3709 ↗

Source publication: Not yet verified
Last verified: Not yet verified
Effective date: Not yet verified

VACircular 26-19-22 ↗

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Last verified: Not yet verified
Effective date: Not yet verified

VACircular 26-19-22, Change 1 ↗VA-IRRRL-2020-07

Material guidance update: Jul 24, 2020
Last verified: Nov 9, 2026
Effective date: Jul 24, 2020

Updated fee exclusions and replaced Exhibit B. The worksheet uses current contractual P&I for comparison.

01 / SCENARIO

Inputs

Start with the example or enter your own figures. You can type dollar amounts above the slider ranges.

Check any that apply

Start with the standard inputs. Select an option to see the extra fields.

The old or new loan is an ARM

Costs include statutory exclusions

The new loan includes financed discount points

Payment history needs special review

First payment due date

Proposed new note date

Consecutive monthly payments made

Existing note rate

Proposed note rate

Existing monthly P&I

Proposed monthly P&I

Total borrower costs before exclusions

Eligible lender credits

New total loan amount

$0$10,000,000

02 / WORKSHEET

Results

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