Free Calculator
Debt Management & Cash-Out
See if rolling your high-rate debt into your mortgage frees up cash flow — and how much the math actually works in your favor.
Debt Consolidation Analysis
Prepared on: — | Quazel Mortgage · NMLS #2133626 · quazels.com · 801-505-2567
🏠 Current Mortgage
$
%
20 yrs left = 240 months
$
💳 Debts to Consolidate
Use minimum payments
Debt
Balance
Rate
Min Pmt
Totals
$0
—
$0/mo
＋ Add another debt
Blended interest rate across all debts being consolidated
—
✨ New Cash-Out Loan
%
$
%/yr
Enter actual quoted rate
New Loan Amount (balance + debts + closing)
—
⚠️ Converting unsecured debt to a mortgage means your home secures the new balance. Make sure a Quazel loan officer reviews your full scenario before proceeding.
Monthly Cash Flow Released
You'd free up every month
—
vs paying all debts + mortgage separately
Current Total Obligations
—
Mortgage + all debts
New Single Payment
—
One loan, one payment
Interest Rate Drop
—
Blended → new rate
Break-Even
—
Closing cost recovery
Before vs After — Monthly Obligations
What you're paying now across all accounts vs a single consolidated payment.
True Interest Cost — Each Debt
Total interest you'll pay on each debt at its current rate vs what that same balance costs at your new mortgage rate.
Cumulative Cost — Two Paths
Total out-of-pocket over time. The consolidation line starts higher (closing costs), then crosses over at break-even.
Keep all debts separate
Cash-out consolidation
Cash Flow Released Over Time
As your old debts would have paid off naturally, this shows when consolidation's freed cash flow advantage grows or shrinks vs just waiting them out.
📋 Current (All Debts)
✨ After Consolidation
Run the real numbers
These estimates don't include your credit score, equity position, or today's exact rate. A Quazel LO can give you an actual quote in minutes.
Estimates only. Converting unsecured debt to a mortgage puts your home at risk. Results do not constitute a loan commitment. Consult a licensed loan officer before acting on these projections.
Quazel Mortgage · NMLS #2133626 · Licensed in UT, ID, FL & CO · Privacy Policy · Opt Out
Quazel Mortgage · NMLS #2133626 · Licensed in UT, ID, FL & CO · Privacy Policy · Opt Out