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Mr. Cooper mortgage recast: rules and fee

Every figure below is taken from Mr. Cooper's recast policy page and was checked on 27 Aug 2026. Where Mr. Cooper publishes nothing, the row says so rather than guessing.

Verified 27 Aug 2026 Servicer’s own page
Minimum lump sum
$10,000
$10,000 minimum
Recast fee
$250
Up to $250, non-refundable
Excluded loan types
See note
VA, FHA, GNMA, USDA, Interest-only, Option ARM, Commercial
Timing & frequency
See note
90 days if recently transferred
Primary source

Mr. Cooper's recast policy page — mrcooper.com — checked 27 Aug 2026. The exact document URL is not recorded here; see methodology.

Escrow

Escrow unchanged by the recast. A recast fixes principal and interest. It does not fix the escrow portion of your bill, which is billed separately and can still move with taxes and insurance.

Price a recast on these rules

The calculator prefills Mr. Cooper's $250 fee and warns below their $10,000 minimum.

Use Mr. Cooper in the calculator

Other servicers

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Compiled and verified by Moh Bami, Tampa, FL, on 27 August 2026. This page states what Mr. Cooper publishes. It is not mortgage advice, and it is not a quote.