Encuentra tu nuevo pago mensual después de hacer un gran pago de principal de suma fija y hacer que tu prestamista reamortice el balance restante—sin cambiar tu tasa o plazo.
Nuevo pago mensual
1461 €
Down from $1,753.77 per month
Ahorros mensuales
292 €
| Intereses totales ahorrados | 37.689 € |
|---|---|
| Intereses totales sin reestructuración | 226.131 € |
| Intereses totales después de la reestructuración | 188.443 € |
| Pago único aplicado | 50.000 € |
Nuevo pago mensual: 1461 €.
After applying the $50,000 lump sum, your new balance of $250,000 is re-amortized at 5% over the same 300 months (25.0 years) remaining on your loan. Your payment drops to $1461.48 — a saving of $292 every month. Over the remaining term you avoid $37,689 in interest charges. Your rate and payoff date are unchanged; only the payment shrinks.
Vista lado a lado de los pagos y saldos antiguos frente a los nuevos durante los primeros 60 meses después de la reestructuración. Muestra la rapidez con la que el pago más bajo se acumula en ahorros de saldo.
| Mes | Pago Antiguo | Nuevo Pago | Saldo Antiguo | Nuevo Saldo | Ahorros Mensuales |
|---|---|---|---|---|---|
| 1 | 1754 € | 1461 € | 299.496 € | 249.580 € | 292 € |
| 2 | 1754 € | 1461 € | 298.990 € | 249.159 € | 292 € |
| 3 | 1754 € | 1461 € | 298.482 € | 248.735 € | 292 € |
| 4 | 1754 € | 1461 € | 297.972 € | 248.310 € | 292 € |
| 5 | 1754 € | 1461 € | 297.460 € | 247.883 € | 292 € |
| 6 | 1754 € | 1461 € | 296.946 € | 247.455 € | 292 € |
| 7 | 1754 € | 1461 € | 296.429 € | 247.024 € | 292 € |
| 8 | 1754 € | 1461 € | 295.911 € | 246.592 € | 292 € |
| 9 | 1754 € | 1461 € | 295.390 € | 246.158 € | 292 € |
| 10 | 1754 € | 1461 € | 294.867 € | 245.722 € | 292 € |
| 11 | 1754 € | 1461 € | 294.342 € | 245.285 € | 292 € |
| 12 | 1754 € | 1461 € | 293.814 € | 244.845 € | 292 € |
r = tasaAnual / 12 / 100
pago_viejo = balance × r × (1+r)^n / ((1+r)^n − 1)
balance_nuevo = balance − pago_suma_fija
pago_nuevo = balance_nuevo × r × (1+r)^n / ((1+r)^n − 1) [misma n, misma r]
ahorros_mensuales = pago_viejo − pago_nuevo
interés_total_viejo = pago_viejo × n − balance
interés_total_nuevo = pago_nuevo × n − balance_nuevo
interés_ahorrado = interés_total_viejo − interés_total_nuevoUna reformulación hipotecaria—también llamada reamortización—es una característica que te permite hacer un pago único grande hacia tu principal y luego hacer que tu prestamista recalcule tu pago mensual basado en el balance más bajo. La tasa de interés permanece exactamente igual. El plazo restante permanece exactamente igual. Solo el pago se encoge.
No. A recast keeps your existing loan, rate, and remaining term intact — only the monthly payment is recalculated to reflect the reduced principal. A refinance replaces your loan entirely with a new one at a new rate and term, and typically costs 2–5% of the loan amount in closing costs. A recast is faster, cheaper, and far simpler, but it cannot lower your interest rate.
Most conventional loans held by large banks and mortgage servicers permit recasting, but it is not a universal right — you must request it and the servicer must agree. FHA, VA, and USDA loans generally do not allow recasting. Jumbo loans often do. Always confirm with your servicer before planning a large principal payment around a recast.
Most lenders charge a flat administrative fee of $150 to $500 for processing a recast. Some charge nothing. This is dramatically lower than refinance closing costs, which typically run $3,000 to $10,000 or more depending on loan size and location.
Yes. Most servicers require a minimum principal curtailment — typically $5,000 to $10,000 — before they will agree to re-amortize the loan. Some impose a percentage-of-balance minimum instead. Check with your servicer for the exact threshold.
Neither. Your interest rate is set in the original loan contract and cannot be changed by a recast. Your payoff date also stays the same — the term is unchanged. Only the required monthly payment goes down. If you want to pay off the loan sooner, you can voluntarily continue paying the original higher amount; the surplus reduces principal faster.
An extra principal payment reduces your balance and total interest paid, but your required monthly payment remains unchanged. A recast goes one step further: after the lump-sum is applied, the lender recalculates the required payment over the remaining term so you are legally obligated to pay less each month. You get permanent cash-flow relief, not just a shorter payoff timeline.
Generally no. Government-backed loans — FHA, VA, and USDA — do not offer recasting as a standard feature. If your loan is conventional (Fannie Mae or Freddie Mac conforming, or a jumbo loan), recasting is much more likely to be available.
The lump-sum principal payment itself is not deductible — it is a return of borrowed funds, not an interest expense. The reduced interest you pay going forward may be deductible if you itemize and meet the mortgage interest deduction rules, but the lump sum reduces your future deductible interest. Consult a tax professional for guidance specific to your situation.