Rolling roughly $8,000 into the balance is more cost than we'd want to see added on a VA streamline. The whole appeal of an Interest Rate Reduction Refinance Loan (IRRRL) is that it's supposed to be a low-friction, low-cost way to lower your rate. When a chunk of closing cost gets financed into the loan, the math often stops working, and it can take years of small payment savings just to recover what was added to your balance. Before accepting any streamline, ask for the Loan Estimate and check two things: - How much is actually being added to your balance - How many months of payment savings it takes to earn that back Many streamlines can be structured with little or nothing added to the balance, so a version that inflates the loan by several thousand dollars deserves a second quote. And because pricing and available rates move constantly, the structure matters more than the specific rate: how much cost is financed, what the recoup period is, and whether the same rate is available with less rolled in. If you want, we'll pull a competing streamline quote and show you the recoup math side by side.