Estimated monthly housing payment
$2,775
- Principal & interest
- $2,275
- Taxes + insurance + HOA
- $500
- Monthly MI / MIP entered
- None modeled
- Base loan
- $360,000
- Financed upfront fee
- $0
- Estimated cash to close
- $92,000
Three-column scenario engine
Mortgage PITI and Cash-to-Close Scenario Calculator
Build three transparent planning scenarios from the same property assumptions. Every rate, down payment, term, fee treatment, and credit remains visible so a loan officer can explain the comparison instead of presenting a black-box number.
SHARED PROPERTY ASSUMPTIONS
Compare three financing structures.
Use hypothetical scenario data only. Do not enter a borrower name, address, loan number, or financial records.
Estimated monthly housing payment
$3,420
- Principal & interest
- $2,721
- Taxes + insurance + HOA
- $500
- Monthly MI / MIP entered
- $199
- Base loan
- $434,250
- Financed upfront fee
- $7,599
- Estimated cash to close
- $17,750
Estimated monthly housing payment
$3,330
- Principal & interest
- $2,830
- Taxes + insurance + HOA
- $500
- Monthly MI / MIP entered
- None modeled
- Base loan
- $450,000
- Financed upfront fee
- $9,675
- Estimated cash to close
- $2,000
- VA funding-fee assumption
- 2.15%
Educational estimate—not a Loan Estimate, quote, approval, or commitment. The FHA starting assumption uses the common 0.55% annual MIP case, collected monthly; change the visible MI / MIP field when the loan amount, term, LTV, or product requires another treatment. VA funding fees depend on use, down payment, and exemption status. Conventional and Non-QM mortgage insurance, escrows, prepaid items, price adjustments, county loan limits, and credit restrictions require a current product and rate-sheet review. Seller and lender credits are applied only against modeled closing costs—not minimum down payment. Rules verified September 30, 2026.
What belongs in a responsible mortgage comparison?
A useful comparison separates base loan, financed upfront fees, principal and interest, taxes, insurance, HOA or flood costs, mortgage insurance, credits, and estimated cash to close. It also identifies which figures still require a live rate sheet, county limit, appraisal, or product guide.
Primary references
Verify the live rules and assumptions.
Program, regulation, and vendor information can change. Use the current source alongside lender, investor, legal, compliance, and file-level review.
Plan your processing lane
Need a second set of operational eyes?
Request a scenario-level conversation about scope, lender workflow, systems, and processing fit. Do not send borrower information or loan documents through this website.
- No borrower file needed
- Scope comes first
- Leave with a clear next step