Home/ Lenders/ Truist

Truist mortgage recast: rules and fee

Every figure below is taken from Truist mortgage fee schedule (PDF) and was checked on 27 Aug 2026. Where Truist publishes nothing, the row says so rather than guessing.

Verified 27 Aug 2026 Servicer fee schedule (PDF)
Minimum lump sum
None stated
Not published
Recast fee
$250
$250 in most states; $0 in New York; in North Carolina $150 if the unpaid balance is $60,000 or less, otherwise 0.25% of the balance
Excluded loan types
See note
Not published
Timing & frequency
Not published
Not published
Primary source

Truist mortgage fee schedule (PDF) — truist.com — checked 27 Aug 2026. The exact document URL is not recorded here; see methodology.

Escrow

Not published. 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.

Worth knowing

The only servicer found whose fee varies by state. If you are in New York it is free; in North Carolina on a large balance it is the second most expensive in this table.

Price a recast on these rules

The calculator prefills Truist's $250 fee.

Use Truist in the calculator

Other servicers

ChaseWells FargoBank of AmericaRocket MortgageMr. CooperPennyMacFreedom MortgageUS BankNewrez / 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 Truist publishes. It is not mortgage advice, and it is not a quote.