Debt Consolidation Calculator
See whether rolling your other debts into a mortgage refinance would lower your monthly payment — and what the trade-off looks like in total interest paid over time.
Current Mortgage
Debts to Consolidate
Balance
Rate
Monthly Payment
Debt 1
Debt 2
New Consolidation Loan
Typically 80% — confirm with your lender.
The consolidated loan of $308,000 fits within your 80% max LTV limit — up to $360,000 is allowed on a $450,000 home.
Current Combined Payment
$2,590
$1,940 mortgage + $650 debts
New Consolidated Payment
$2,028
30-year term at 6.9%
Monthly Savings
$562
per month
Total Interest Comparison
Approximate — see the note below about how these are calculated.
Current Path
$326,497
Mortgage paid over 26 years + each debt paid off at its current rate
Consolidated Loan
$422,256
Everything rolled into one 30-year loan at 6.9%
A lower monthly payment doesn’t always mean less interest paid overall. Spreading everything over a new 30-year term can increase total interest even when the rate is lower — because you’re paying for longer. The monthly savings and the total-interest picture can point in opposite directions; your loan officer can help you weigh both.
Want to see what actually fits?
Our local team can pull your real numbers and walk you through options.
Results are estimates for educational purposes only based on the numbers entered. This is not a loan approval or guaranteed rate. The total-interest comparison is approximate: the current path’s mortgage and debts finish at different times, while the consolidated loan spreads everything over one new term. Contact a Liberty home loan specialist for personalized guidance.