Run the numbers like a loan officer.

PITI with MI by loan type

Principal, interest, property tax, insurance, HOA and loan-specific mortgage insurance for conventional, FHA, VA and jumbo loans.

How much home fits your budget

Income, debts, adjustable DTI limits, down payment and cash available. Results are estimates, not approval decisions.

Monthly & yearly schedules, CSV export

Full monthly and yearly amortization with balance chart and downloadable schedule.

1-0, 2-1 and 3-2-1 payment savings

Compare temporary buydown payments with no buydown, see early-year savings, and explore the full principal and interest schedule at your note rate.

Recurring and one-time prepayments

See interest, time and mortgage-insurance saved with monthly, annual and lump-sum extra principal.

Break-even and lifetime interest

Closing costs, points, cash-out, break-even (payment-based and true interest-based) and total interest comparison.

Net worth over your holding period

Holding period, maintenance, appreciation, rent growth, selling costs and the opportunity cost of your down payment.

Is buying down the rate worth it?

Compare par, discount-point and lender-credit pricing: upfront cost, monthly savings and break-even.

Side-by-side loan options

Compare terms, down payments and programs — payment, cash to close, MI and cost over your horizon.

Down payment, fees, prepaids, credits

Estimate the cash you'll bring to closing including prepaid interest, escrow reserves and seller/lender credits.

3-2-1, 2-1, 1-1, 1-0 and seller-paid

Temporary buydown subsidy cost and a comparison of seller credits used as a buydown, a permanent buydown, or a price cut.

Loan-level price adjustments

Estimate GSE loan-level price adjustments by credit score, LTV, occupancy and property type.