Mortgage Calculator

Mortgage Options Calculator

Compare options (P&I / PITI / Cash to Close / APR). Program-specific fees and amortization for any option.

Purchase Price

Down Payment %

Base Loan Amount (auto)

Base Loan = Price × (1 − Down %). Option loans may increase if an upfront fee is financed. LTV uses base loan.

Origination % (of Loan)

Discount Points %

Lender Flat Fees ($)

Third-Party Costs ($)

Lender Credits ($)

Seller Credits ($)

Monthly Taxes

Monthly Homeowners Insurance

Monthly HOA

Escrow Months (Taxes)

Escrow Months (Insurance)

Per-Diem Interest Days at Closing

Global Monthly PMI (fallback)

Per-option annual MI/MIP overrides this.

Option	Program	First Use?	Rate (APR)	Term (yrs)	Upfront %	Finance Upfront?	Annual MI/MIP %	P&I	PITI	Cash to Close	APR (est.)

Use Option

First Payment Date

Show / Hide Amortization Schedule

Month #	Date	Payment (P&I)	Interest	Principal	Ending Balance

Clean view for sharing/printing. Edit option names and inputs above first.

Option	Rate	Term	Monthly P&I	Est. PITI	Cash to Close	APR (est.)

Estimates for discussion only; actual APR/MI/fees subject to program rules and final disclosures.

Mortgage Options Calculator