As a planning number, three to five thousand dollars covers most zero-point refinances comfortably, and streamlines run much less. Costs vary a lot by state and change over time, so treat everything here as rough and illustrative, and confirm current figures for your state and loan type when you're closer. - Low end: a streamline refinance. An FHA Streamline or a VA IRRRL ordinarily skips the appraisal, which removes the biggest variable cost, and can run as little as around fifteen hundred dollars. (An FHA Streamline still has to pass the net tangible benefit test, and a VA IRRRL can require full re-underwriting if the payment rises materially or the term extends.) - Typical: a full refinance. Appraisal plus the standard lender fees (credit report, underwriting, processing) usually lands somewhere in the low thousands. - Higher-cost states, or states that tax refinances, can add several thousand more. All of that is separate from discount points, which are an optional cost on top, and our lean is that you shouldn't plan on paying them. When you're actually close, get an itemized Loan Estimate so you're budgeting off your real fees rather than a general range. And make sure the refinance itself pencils after costs, without resetting years of amortization by default. Match the new term to your remaining term unless a lower payment is a choice you're making on purpose.