Home/ Lenders/ Rocket Mortgage

Rocket Mortgage mortgage recast: rules and fee

Every figure below is taken from Rocket Mortgage's recast page and was checked on 27 Aug 2026. Where Rocket Mortgage 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
$250
Excluded loan types
See note
FHA, USDA, VA
Timing & frequency
See note
2 payments made at the current balance
Primary source

Rocket Mortgage's recast page — rocketmortgage.com — checked 27 Aug 2026. The exact document URL is not recorded here; see methodology.

Escrow

Escrow reviewed separately. 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 Rocket Mortgage's $250 fee and warns below their $10,000 minimum.

Use Rocket Mortgage in the calculator

Other servicers

ChaseWells FargoBank of AmericaMr. CooperPennyMacFreedom MortgageUS BankTruistNewrez / ShellpointFlagstarPenFedTrustmarkSpecialized Loan ServicingNew American FundingPlains CommerceThe Mortgage FirmPNCCrossCountryNavy FederalFifth ThirdGuild MortgageloanDepotCiti

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