See how price, rate, down payment, and every negotiation move affects your monthly payment — all at once. Built for home buyers, real estate professionals, and anyone who wants to fully understand their mortgage before they sign.
| Price \ Rate | 6.375% | 6.500% | 6.625%★ | 6.750% | 6.875% |
|---|---|---|---|---|---|
| $450k | $2,302 | $2,344 | $2,387 | $2,430 | $2,473 |
| $475k | $2,431 | $2,475 | $2,519 | $2,564 | $2,609 |
| $500k ★ | $2,561 | $2,607 | $2,561★ | $2,698 | $2,745 |
| $525k | $2,690 | $2,739 | $2,788 | $2,838 | $2,888 |
| $550k | $2,820 | $2,870 | $2,922 | $2,974 | $3,026 |
Whether you're a first-time buyer exploring numbers or a professional sharing scenarios with clients — the process is the same: fast, clear, and frustration-free.
Jump straight in with no account required. Professionals can white-label in minutes — no developer or tech skills needed.
Adjust price, rate, down payment, and costs freely. Every assumption is editable, every calculation updates instantly.
When every number is transparent and every scenario has been explored, decisions happen naturally — for buyers and professionals alike.
The free tool is powerful. The Pro version gives you ownership of the experience.
A 5×5 grid showing every payment scenario across rates and prices simultaneously. Every assumption — price, rate, down payment, PMI, taxes, HOA — is fully editable, with results that update instantly.
Free + ProRent vs. Buy, Affordability, Loan Comparison, Refinance Calculator, Cash Optimizer, Negotiation Analyzer, Cost of Waiting, and Credit Score Impact — all in one place.
Free + ProSave your scenario as a one-page PDF or email it directly. Pro users get branded exports with their logo and contact info automatically included.
Free + ProPro: your logo, colors, and name throughout. Enterprise: embed directly into your own website or client portal — fully integrated, fully branded, zero visible connection to LoanCheatSheet.com.
Pro + EnterpriseThe core tool is free for everyone. Pro unlocks everything a professional needs to run their business.
| Free | ⭐ Pro | Enterprise | |
|---|---|---|---|
| Payment Matrix (5×5) | ✓ | ✓ | ✓ |
| All calculation tools | ✓ | ✓ | ✓ |
| Refinance Calculator | ✓ | ✓ | ✓ |
| Unlimited assumption adjustments | ✓ | ✓ | ✓ |
| White-label branding | — | ✓ | ✓ |
| PDF export | ✓ | ✓ | ✓ |
| Email scenario summary | ✓ | ✓ | ✓ |
| Shareable scenario links | — | ✓ | ✓ |
| Save & recall scenarios | — | ✓ | ✓ |
| Remove LoanCheatSheet branding | — | ✓ | ✓ |
| Team / multi-seat access | — | — | ✓ |
| Website / portal integration | — | iframe | ✓ Full API |
| Dedicated support + onboarding | — | — | ✓ |
Start free. Upgrade when you're ready to make it yours. One deal pays for a year.
Pro subscribers get a fully branded version of the tool — indistinguishable from something your tech team built.
| Price \ Rate | 6.375% | 6.625%★ | 6.875% |
|---|---|---|---|
| $475k | $2,431 | $2,519 | $2,609 |
| $500k★ | $2,561 | $2,561★ | $2,745 |
| $525k | $2,690 | $2,788 | $2,888 |
Click either example to see a full-size sample PDF — exactly what a Pro subscriber's client sees, with real branding and no mention of LoanCheatSheet.com.
These are placeholders — add real quotes from early users once you have them.