No, a recast is never guaranteed, so confirm it in writing before you build your move around it, and keep a fallback ready. Whether you can recast depends entirely on the servicer's policy. Government loans (FHA, VA, USDA) do not offer recasting at all, and even on a conventional loan the servicer is not obligated to offer one. Before you count on it, get written confirmation from whoever will service the new loan: that they allow recasts, the minimum paydown, and the fee. That matters double in your scenario, because the recast is the tool that turns your sale proceeds into a lower payment. If it falls through, you are carrying the full payment on the full balance. The usual plan B is a cash-in refinance: apply the proceeds to pay the balance down and refinance the remainder, which achieves a similar result. That fallback is strongest when your rate is close to the current market, since you are not giving up a great rate to use it, but it does mean new closing costs and requalifying. The safe sequence: confirm the recast option up front, keep the cash-in refinance in your back pocket, and do not commit the sale proceeds until you know which path you have.