Trust & transparency
What has changed, and why
Every substantive change to the calculator, dated and explained, so you can see exactly how this site has evolved.
How this changelog works
This page logs substantive changes to the Mortgage Recast Calculator and the guide that surrounds it: formula changes, new sections, new tools and policy updates. Small copy edits do not appear here. Every entry is dated, each one says why it matters, and the intent is that anyone can reconstruct how the site evolved without asking us.
August 11, 2026: worked examples and the break-even reality
What changed. The homepage gained worked examples and a break-even reality section. The worked example runs a $50,000 lump sum through the full calculation on screen, and the break-even section states the hard truth directly: monthly savings of $316.03 do not recover the $50,350 outlay until month 160, about 13.3 years. In the same release, share links were rebuilt around a single compact parameter, so a shared URL is shorter and cleaner to paste into a chat or email.
Why it matters. A recast can look like free money when you only see the smaller payment. Showing the break-even clock in months and years is the difference between understanding a recast and being told a half-truth about one. The worked examples also let you check our math against a real scenario, step by step.
August 6, 2026: initial release
What changed. The site launched with the recast calculator at its core. From day one it showed the new payment after a lump sum, the total interest saved over the remaining term, the break-even point in months, and a recast versus refinance comparison, all on one screen. The methodology, editorial policy, privacy and disclaimer pages went live at the same time, so every formula and source was public before the calculator reached anyone.
Why it matters. The market was full of calculators that show a new payment and stop. Launching with interest savings, break-even and the recast versus refinance comparison on the same screen set the editorial standard that still governs this site: show the whole picture, including the parts that do not flatter recasting.
How the rules stay current
Recasting eligibility, fees and minimums sit inside Fannie Mae and Freddie Mac rules, and servicers do move them. We re-verify every rate and eligibility claim on this site against the Fannie Mae Servicing Guide, the Freddie Mac Servicing Guide, CFPB rules and published servicer policies every quarter. The last full review was completed on August 6, 2026, and the next is scheduled for November 2026. If a review changes a published figure, the change appears on this page, dated, so the changelog doubles as the audit trail.
Keep going