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Chase mortgage recast: rules and fee

Every figure below is taken from chase.com/personal/mortgage/recast and was checked on 27 Aug 2026. Where Chase publishes nothing, the row says so rather than guessing.

Verified 27 Aug 2026 Servicer’s own page
Minimum lump sum
None stated
No minimum amount required
Recast fee
Not published
Fees may apply; not published. Markets no appraisal and no credit check.
Excluded loan types
See note
FHA, VA, USDA
Timing & frequency
Not published
Not published
Primary source

chase.com/personal/mortgage/recast — checked 27 Aug 2026.

Contradiction on the open web

recastcalc.com states a $150 fee and a $10,000 minimum for Chase. Chase's own page states no minimum is required.

Escrow

P&I is fixed by the recast, but the total monthly payment can still move with escrow. 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

Chase publishes no fee, so the calculator leaves your own figure in place.

Use Chase in the calculator

Other servicers

Wells FargoBank of AmericaRocket MortgageMr. 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 Chase publishes. It is not mortgage advice, and it is not a quote.