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Compare up to four loans

Put the payment, upfront cash, financing cost, and remaining balance next to each other. Enter the actual fees and insurance for each option.

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Your scenario

Start with the basics

Change the example amounts below. More details are there when you need them.

Compare optionsNumber of loans

Loan 1

Option nameBase loan amount $Note rate %Total loan term yearsDiscount points % of base loanOther financing charges $Charges included in your illustrative APR estimate.

Fees, insurance & payment details Included in estimate

These assumptions are already included. Open to review or change them.

Cash down or equity contribution $Used only in the cash-to-close comparison.Interest-only period yearsIncluded in total term; balance is amortized over the remaining months.Other closing fees $Prepaids and initial escrow $Cash required, not classified as a permanent borrowing cost.Finance points and closing feesMonthly mortgage insurance $/moMonths of mortgage insurance monthsEnter the expected duration.Property taxes $/yearHome insurance $/yearHOA dues $/mo

Loan 2

Option nameBase loan amount $Note rate %Total loan term yearsDiscount points % of base loanOther financing charges $Charges included in your illustrative APR estimate.

Fees, insurance & payment details Included in estimate

These assumptions are already included. Open to review or change them.

Common comparison timeline

Compare after years

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Assumptions and example inputs

Example inputs are editable placeholders to show how the calculator works. Results are estimates, not quotes or approvals, and they do not use live rates or lender pricing.

These are fixed-note-rate illustrations. Interest-only periods are followed by repayment over the remaining term, so the payment can increase. Enter mortgage insurance and its duration; no eligibility or cancellation rule is inferred.
Illustrative APR includes entered points, financing charges and mortgage insurance. Other fees and prepaids are excluded from APR. It is not the lender’s disclosed APR. Home taxes, insurance and HOA are included in the housing payment but excluded from financing cost.

Fred ChiltonLicensed mortgage broker · NMLS #1810817

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