Thinking about refinancing, but unsure if you need a down payment? Here’s the truth: No, you don’t need a down payment to refinance your home equity is your down payment. But that doesn’t mean it’s totally free. Most refinances come with closing costs (usually 2–6% of your loan amount). You can: ✅ Pay them upfront ✅ Roll them into the loan (no cash out of pocket, but more interest over time) ✅ Or go “no closing cost” — in exchange for a higher rate So how do you know if refinancing actually make
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