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Purchase Price & Loan Details

Drag to adjust price$500,000

$100k$500k$1M$1.5M$2M$2.5M$3M

Purchase price ($)

Down payment as

20.0% of purchase price

Loan term

Enter my own rate

Include Additional Monthly Costs

PMI Homeowner's Insurance Property Taxes HOA Fee

See every payment scenario at once. Drag the price slider, adjust your down payment, and this matrix instantly shows how your monthly payment changes across different rates and prices — so you can walk into any negotiation knowing your numbers.

Lowest Lower Your scenario ★ Higher Highest

Δ Difference from Your Scenario

Δ vs. your scenario ★ · Green (X) = saves money · Red +X = costs more · Center = $0 ★

📊 Payment Breakdown & Market Rate Trend Donut chart · 12-week rate chart · 30/90-day summary

📊 Payment Breakdown

📈 Rate Trend — 12 Weeks

Conforming & Jumbo 30-yr · Sample data — see Freddie Mac PMMS for current rates

Conf. Jumbo

📈 Rate Summary

◎ What moves your payment?

→ Ready to Optimize Your Loan?

Use the tools in this section to find the best strategy for your situation

🎯 Rate Buydown Calculator

Points to buy

Rate reduction/point

▦ Total Cost Analysis·Compare 3%, 10%, and 20% down — total interest, true monthly cost, and equity over time Side-by-Side

▦ Total Cost Analysis

Your rate stays constant across all three scenarios. The comparison shows the true impact of putting 3%, 10%, or 20% down — including PMI, monthly payment, total interest, and equity growth.

Purchase price (from above)

Interest rate (from above)

Loan term (yrs)

PMI rate (%/yr)

Property tax (%/yr)

Appreciation (%/yr)

Equity Growth Over Time

≡ Amortization Schedule·Full month-by-month payment breakdown for your loan Full Schedule

≡ Amortization Schedule

View by:

+ Extra Payment Analysis·How an extra monthly payment accelerates payoff and saves interest Payoff Tool

+ Extra Payment Analysis

Your current loan details are shown below. Add an extra monthly payment or lump sum and see exactly how much faster you pay off the loan and how much interest you save.

Monthly: 12 payments/yr at your full P&I amount.

Extra monthly payment ($)

One-time lump sum ($)

Apply lump sum in year

Remaining Balance Over Time

⚡ Tools to Optimize Your Deal

◈ Cash Optimizer·How should you use your savings? Extra cash vs. down payment strategy Cash Strategy

You have extra cash at closing. Should you buy down your rate, put more down, or invest it?

Extra cash available ($)

Expected invest. return (%/yr)

Savings/HYSA rate (%/yr)

Years in home (est.)

⇄ Negotiation & Concession Analyzer·What should you ask for — and what's it worth? Deal Analyzer

⇄ What's Your Situation?

Choose the scenario that matches where you are in the negotiation. Enter one number — we'll do the rest.

Gap to bridge ($)

Years you plan to stay

⊞ Other Tools DTI Calculator · Affordability · Closing Costs · Rent vs. Buy + 4 more 8 tools

≈ DTI Calculator

Debt-to-income ratio determines whether you qualify for a mortgage. Lenders look at two numbers: your front-end ratio (housing costs only) and back-end ratio (all monthly debts). Most conventional loans require back-end DTI below 43%.

Gross monthly income ($)

Monthly mortgage P&I ($)

Property tax/mo ($)

Home insurance/mo ($)

HOA/mo ($)

PMI/mo ($)

Other monthly debts

Car payment(s) ($)

Student loans ($)

Credit cards (min.) ($)

Other debt ($)

$ Affordability Calculator

Work backward from your income and budget to find your maximum comfortable purchase price. Uses the lender 28/36 rule and your monthly obligations.

Gross monthly income ($)

Monthly debts (car, student, etc.)

Target monthly payment ($)

Down payment available ($)

⊟ Closing Cost Estimator

Closing costs typically run 2–5% of the loan amount and catch many buyers off guard. Adjust each line item — these defaults are reasonable national estimates, but your lender's Loan Estimate will have the exact figures.

Loan amount ($)

Purchase price ($)

Down payment ($)

Lender fees

Origination fee ($)

Underwriting fee ($)

Discount points ($)

Third-party fees

Appraisal ($)

Title insurance ($)

Title search ($)

Attorney / escrow ($)

Home inspection ($)

Recording fees ($)

Prepaids & escrow

Prepaid interest (days)

Homeowners insurance ($)

Escrow reserve (months)

⇋ Rent vs. Buy

Is buying actually cheaper than renting over your time horizon? Compares true total cost including equity buildup, appreciation, opportunity cost of your down payment, and rent increases.

Current monthly rent ($)

Annual rent increase (%)

Annual home appreciation (%)

Years in home

Selling costs (%)

Investment return if renting (%)

= Loan Comparison

Compare total out-of-pocket across loan terms, and see how extra monthly payments accelerate payoff and slash interest.

★ Credit Score Impact

Your credit score tier has a direct impact on the rate you'll qualify for. Select your tier to see exactly how much it costs — or saves — versus other credit profiles on your loan.

⟳ Cost of Waiting

Rates might drop — but prices might rise and you'll keep renting. Model both scenarios to decide whether waiting makes financial sense.

Months considering waiting

Expected rate if you wait (%)

Annual home price appreciation (%)

Current monthly rent ($)

↻ Refinance Planner

If rates drop, when does it make sense to refinance? Model your break-even vs. staying put with your current rate.

Target refi rate (%)

Closing costs ($)

Years until refi (est.)

🔄 Refinance Calculator

Already own a home? Enter your current loan details to see whether refinancing makes sense, your exact break-even, and a full rate-drop scenario matrix.

Current loan balance ($)

Current rate (%)

Remaining term (yrs)

Target refi rate (%)

Closing costs ($)

Years you plan to stay

🏦

Home Equity Tools

HELOC calculator, home equity loan comparison, and cash-out refinance analyzer — coming soon.

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