← All Recast with $25K calculations
$25K lump at month 12 — then keep paying the original amount. Monthly principal & interest: $3,792.41.
Free calculators for everyone — the 5–7 Year Alternative serves USA residents only.
Pay off your mortgage in 5–7 years instead of 30. *With qualification.
See if you qualify →For USA residents only.
| # | Strategy | Monthly payment | Payoff | Interest saved |
|---|---|---|---|---|
| 01 | Refinance to 15-Year | $5,144.54 | 15.0 yrs | $439,250 |
| 02 | Extra $500/Month | $3,792.41 | 21.8 yrs | $240,674 |
| 03 | $5,000 Yearly Lump Sum | $3,792.41 | 23.0 yrs | $205,106 |
| 04 | Bi-Weekly Payments | $3,792.41 | 24.1 yrs | $176,244 |
| 05 | Extra $200/Month | $3,792.41 | 26.0 yrs | $121,995 |
| 06 | Recast with $25K | $3,792.41 | 26.8 yrs | $122,603 |
| 07 | Standard 30-Year | $3,792.41 | 30.0 yrs | $0 |
After a year of normal payments, you put $25,000 toward principal in one lump. A formal recast would lower your required payment — but here you keep paying the original amount, so the difference attacks principal every month after.
$25,000 applied to principal with the 12th payment; borrower keeps paying the original monthly amount. A standard recast lowers the required payment instead — this illustration keeps the payment unchanged to maximize acceleration. Lenders may charge a recast fee.
Take the free quiz to see if you qualify for a structured payoff plan.
See if you qualify →For USA residents only
Calculations are illustrative only, based on the assumptions shown. Not financial advice, not a promise of savings or payoff time, and not a loan quote.