Buyer Mortgage Scenario Summary
2847 Hillcrest Avenue, Glendale, CA 91208
Prepared for: The Johnson Family
May 19, 2026 · 30-Year Fixed
Down Payment
$145,000 (20%)
Payment Matrix — Monthly Principal & Interest · All figures based on 20% down
| Price \ Rate |
6.000% | 6.250% | 6.500% | 6.625% ★ | 6.750% | 6.875% | 7.000% |
| $675k | $3,237 | $3,319 | $3,404 | $3,447 | $3,491 | $3,535 | $3,580 |
| $700k | $3,358 | $3,444 | $3,531 | $3,575 | $3,620 | $3,666 | $3,712 |
| $725k ★ | $3,479 | $3,568 | $3,658 | $3,714 ★ | $3,749 | $3,797 | $3,845 |
| $750k | $3,599 | $3,692 | $3,786 | $3,833 | $3,879 | $3,927 | $3,976 |
| $775k | $3,720 | $3,816 | $3,913 | $3,962 | $4,009 | $4,058 | $4,108 |
Negotiation Levers
Negotiate $25k off list−$159/mo
Negotiate $50k off list−$318/mo
Rate buy-down 0.25%−$88/mo
Seller pays 2% closing$14,500 credit
Best combined−$247/mo
All-In Monthly Cost
Principal & Interest$3,714
Property tax (est.)$664
Homeowners insurance$302
PMINone (20% down)
Total monthly$4,680
Key Decision Points
Loan typeConforming
Debt-to-income (est.)36.5% of $153k
Break-even vs. renting4.2 years
Rate lock window60 days available
Pre-approval needed byBefore offer
Recommended Next Steps
Get pre-approval letter from preferred lender
Review comparable sales in 91208 zip code
Lock rate before scheduled Fed announcement
Negotiate seller concession toward closing costs
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