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Refinance with higher Principal?

I’m currently a year into my house, I paid $415k, with all the VA related fees and closing costs rolled in, my principal is $424k. Currently I owe $422k at 3.25%. Rocket Mortgage has me approved for a VA IRRL at 2.25% with $15 out of pocket, fees rolled into the loan and I get $581 back. Total loan amount goes to $437k.

My monthly goes from $2651 to $2469. Principal and interest are almost even. My question is, is it worth adding $15k to my mortgage?

submitted by /u/StrategicBlenderBall
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source https://www.reddit.com/r/RealEstate/comments/mgtd3b/refinance_with_higher_principal/
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