Compare your concession.

Cash at closing, monthly payments and cost over time. Conventional and FHA, 15 or 30 years.

Not a loan quote. APR not calculated. Public payment disclosures shown below.

Estimated All comparison figures. Enter your lender’s quote to replace estimated point pricing.

The deal

Fixed-rate purchase

Purchase price

$400,000

Appraised value

$400,000

Down payment entered asPercentage

Down payment

10 %

Loan programConventional

OccupancyPrimary home

Loan term30 years

Note rate

7.25 %

Illustration for the entered note rate, before concessions:

P&I - Years 1-30: $2,455.83/month.

Housing including MI/MIP, taxes, insurance and HOA - Months 1-118: $3,355.83/month; Months 119-360: $3,205.83/month.

Note rate 7.25%; loan term 30 years (360 months).

Not a loan quote. APR not calculated.

Annual MI factor

0.5 %

Property taxes / year

$7,200

Home insurance / year

$1,800

HOA / month

Lender & third-party costs

$12,000

Prepaids & escrows

$5,000

Scale property taxes with the price cut

Your split · 5-year view

Cash to close

—

P&I, year 1 / month—

Nominal net cost (5 years)—

Estimated Not a loan quote. APR not calculated.

Pick how to use the $20,000:

Best for Long-term cost: Finding best allocation…

Cash to close $57,000 · P&I yr 1 $2,455.83/mo

The concession

Negotiated concession

$20,000

Adjust the split with the sliders. Temporary escrow is priced automatically.

Price cutCreditPoints2-1 escrow

Price cut

Closing-cost credit

Discount points

Fund a temporary 2-1 buydown $0

Unallocated: $20,000. Changing the concession resets the split.

About the 2-1 split

The 2-1 toggle starts with escrow plus the rest to costs.

My goalLong-term cost

Finding best allocation…

Lender pricingOptional: add a quote

Without a ladder, point pricing is an estimated rule of thumb. Ladder rates are discrete; no interpolation is used.

Rate reduction per point

0.25 %Percentage points. Used only without a ladder.

Points warning threshold

3A warning, not a hard limit.

From my lender’s quote

“Lender-verified” requires a ladder, the checked quote box, lender name and valid quote date. It describes pricing provenance, not verification of all costs or program eligibility.

Seller & builder details Optional

Defaults: Pennsylvania 2% total transfer tax, 50% seller share, no commission or other seller costs. Philadelphia uses 4.578% since July 1, 2025. Other states need a custom rate. Each scenario represents one unit; community counts are context, not a multiplier.

Property statePennsylvania

PA municipalityOther PA (default local 1%)

Custom tax jurisdiction (optional)—

Custom total transfer-tax rate

—Blank uses jurisdiction default. Zero explicitly means 0%.

Seller transfer-tax share

50 %

Commission on recorded price

0 %

Other seller costs

Square feet of unit sold

—Blank: price per square foot unavailable.

Units in building / community

—Blank: not supplied.

Remaining units

—Blank: not supplied; zero means none remaining.

Different levers. Different outcomes.

Housing includes P&I, MI/MIP, taxes, insurance and HOA. P&I is principal and interest. Main figures use the engine’s sales-concession treatment: contributed excess reduces the value used for LTV and MI.

All figures Estimated until a lender quote is entered
What changes	Your split (not set)Choose a preset or drag the sliders to fill this column.	All price cut	All credit	All points	2-1 + rest to costs
Full payment schedule / note rate / term	P&I - Years 1-30: $2,455.83/month. Housing including MI/MIP, taxes, insurance and HOA - Months 1-118: $3,355.83/month; Months 119-360: $3,205.83/month. Note rate 7.25%; loan term 30 years (360 months). Not a loan quote. APR not calculated.	P&I - Years 1-30: $2,333.04/month. Housing including MI/MIP, taxes, insurance and HOA - Months 1-118: $3,225.54/month; Months 119-360: $3,083.04/month. Note rate 7.25%; loan term 30 years (360 months). Not a loan quote. APR not calculated.	P&I - Years 1-30: $2,455.83/month. Housing including MI/MIP, taxes, insurance and HOA - Months 1-129: $3,355.83/month; Months 130-360: $3,205.83/month. Note rate 7.25%; loan term 30 years (360 months). Not a loan quote. APR not calculated.	P&I - Years 1-30: $2,126.34/month. Housing including MI/MIP, taxes, insurance and HOA - Months 1-102: $3,026.34/month; Months 103-360: $2,876.34/month. Note rate 5.861%; loan term 30 years (360 months). Not a loan quote. APR not calculated.	P&I - Year 1: $1,987.93/month; Year 2: $2,216.58/month; Years 3-30: $2,455.83/month. Housing including MI/MIP, taxes, insurance and HOA - Year 1: $2,887.93/month; Year 2: $3,116.58/month; Months 25-118: $3,355.83/month; Months 119-360: $3,205.83/month. Note rate 7.25%; loan term 30 years (360 months). Temporary buydown: qualify at note rate. Not a loan quote. APR not calculated.
Full payment schedule / note rate / term Your split (not set) P&I - Years 1-30: $2,455.83/month. Housing including MI/MIP, taxes, insurance and HOA - Months 1-118: $3,355.83/month; Months 119-360: $3,205.83/month. Note rate 7.25%; loan term 30 years (360 months). Not a loan quote. APR not calculated. All price cut P&I - Years 1-30: $2,333.04/month. Housing including MI/MIP, taxes, insurance and HOA - Months 1-118: $3,225.54/month; Months 119-360: $3,083.04/month. Note rate 7.25%; loan term 30 years (360 months). Not a loan quote. APR not calculated. All credit P&I - Years 1-30: $2,455.83/month. Housing including MI/MIP, taxes, insurance and HOA - Months 1-129: $3,355.83/month; Months 130-360: $3,205.83/month. Note rate 7.25%; loan term 30 years (360 months). Not a loan quote. APR not calculated. All points P&I - Years 1-30: $2,126.34/month. Housing including MI/MIP, taxes, insurance and HOA - Months 1-102: $3,026.34/month; Months 103-360: $2,876.34/month. Note rate 5.861%; loan term 30 years (360 months). Not a loan quote. APR not calculated. 2-1 + rest to costs P&I - Year 1: $1,987.93/month; Year 2: $2,216.58/month; Years 3-30: $2,455.83/month. Housing including MI/MIP, taxes, insurance and HOA - Year 1: $2,887.93/month; Year 2: $3,116.58/month; Months 25-118: $3,355.83/month; Months 119-360: $3,205.83/month. Note rate 7.25%; loan term 30 years (360 months). Temporary buydown: qualify at note rate. Not a loan quote. APR not calculated.
Cash to close	—	$55,000	$45,000Lowest	$57,000	$45,486
P&I, year 1 / month	—	$2,333.04	$2,455.83	$2,126.34	$1,987.93Lowest
P&I, year 3+ / month	—	$2,333.04	$2,455.83	$2,126.34Lowest	$2,455.83
Nominal net cost (5 years)	—	$526,308Lowest	$541,114	$527,996	$533,114
P&I, year 2 / month	$2,455.83	$2,333.04	$2,455.83	$2,126.34	$2,216.58
Housing, year 1 / month	$3,355.83	$3,225.54	$3,355.83	$3,026.34	$2,887.93
Housing, year 3+ / month	$3,355.83	$3,225.54	$3,355.83	$3,026.34	$3,355.83
MI / MIP duration	118 months	118 months	129 months	102 months	118 months
Loan principal	$360,000	$342,000	$360,000	$360,000	$360,000
Resulting note rate / term	7.25% / 30 years	7.25% / 30 years	7.25% / 30 years	5.861% / 30 years	7.25% / 30 years
LTV	90%	90%	91.837%	90%	90%
Principal paid (5 years)	$20,236	$19,225	$20,236	$25,584	$20,236
Balance (5 years)	$339,764	$322,775	$339,764	$334,416	$339,764
Contribution limits	Within cap $0 usable; $24,000 cap (6%) Rule citations conventionalCapshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02 conventionalEligibleCostshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02 Rules 2026-11; dates transcribed from the supplied research.	Within cap $0 usable; $22,800 cap (6%) Rule citations conventionalCapshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02 conventionalEligibleCostshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02 Rules 2026-11; dates transcribed from the supplied research.	Over program cap $12,000 usable; $12,000 cap (3%) Rule citations conventionalCapshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02 conventionalEligibleCostshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02 Rules 2026-11; dates transcribed from the supplied research.	Within cap $20,000 usable; $24,000 cap (6%) Rule citations conventionalCapshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02 conventionalEligibleCostshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02 Rules 2026-11; dates transcribed from the supplied research.	Within cap $20,000 usable; $24,000 cap (6%) Rule citations conventionalCapshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02 conventionalEligibleCostshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02 conventionalTempBuydownhttps://selling-guide.fanniemae.com/sel/b2-1.4-04/temporary-interest-rate-buydownsLast verified: 2026-11-02 Rules 2026-11; dates transcribed from the supplied research.
Unused dollars & warnings	Unallocated: $20,000 Unused credit: $0 Excess sales concession: $0 Estimated pricing uses a rate-per-point rule of thumb; replace with lender pricing.	Unallocated: $0 Unused credit: $0 Excess sales concession: $0 Estimated pricing uses a rate-per-point rule of thumb; replace with lender pricing.	Unallocated: $0 Unused credit: $0 Excess sales concession: $8,000 Excess is a sales concession: reduce the sales price used for LTV and recompute LTV and MI. Estimated pricing uses a rate-per-point rule of thumb; replace with lender pricing.	Unallocated: $0 Unused credit: $0 Excess sales concession: $0 Points exceed configured maximum 3; verify QM and lender limits. Estimated pricing uses a rate-per-point rule of thumb; replace with lender pricing.	Unallocated: $0 Unused credit: $0 Excess sales concession: $0 Temporary buydown: qualify at note rate. Estimated pricing uses a rate-per-point rule of thumb; replace with lender pricing.
Unused dollars & warnings Your split (not set) Unallocated: $20,000 Unused credit: $0 Excess sales concession: $0 All price cut Unallocated: $0 Unused credit: $0 Excess sales concession: $0 All credit Unallocated: $0 Unused credit: $0 Excess sales concession: $8,000 Excess is a sales concession: reduce the sales price used for LTV and recompute LTV and MI. All points Unallocated: $0 Unused credit: $0 Excess sales concession: $0 Points exceed configured maximum 3; verify QM and lender limits. 2-1 + rest to costs Unallocated: $0 Unused credit: $0 Excess sales concession: $0 Temporary buydown: qualify at note rate. Estimated pricing uses a rate-per-point rule of thumb; replace with lender pricing.
Alternative credit treatment	No difference	No difference	If the extra credit is simply lost Estimated. Applies when the excess is withdrawn from the transaction; it does not waive the program cap. Cash to close $40,000 Full payment schedule / note rate / term P&I - Years 1-30: $2,455.83/month. Housing including MI/MIP, taxes, insurance and HOA - Months 1-118: $3,355.83/month; Months 119-360: $3,205.83/month. Note rate 7.25%; loan term 30 years (360 months). Not a loan quote. APR not calculated. MI duration 118 months LTV 90% Principal paid (5y) $20,236 Balance (5y) $339,764 Nominal net cost (5y) $536,114 Credit lost $3,000 Within cap $17,000 usable; $24,000 cap (6%) Rule citations conventionalCapshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02 conventionalEligibleCostshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02 Rules 2026-11; dates transcribed from the supplied research.	No difference	No difference

All credit: Alternative credit treatment

If the extra credit is simply lost

Estimated. Applies when the excess is withdrawn from the transaction; it does not waive the program cap.

Cash to close: $40,000
Full payment schedule / note rate / term: P&I - Years 1-30: $2,455.83/month.
Housing including MI/MIP, taxes, insurance and HOA - Months 1-118: $3,355.83/month; Months 119-360: $3,205.83/month.
Note rate 7.25%; loan term 30 years (360 months).
Not a loan quote. APR not calculated.
MI duration: 118 months
LTV: 90%
Principal paid (5y): $20,236
Balance (5y): $339,764
Nominal net cost (5y): $536,114
Credit lost: $3,000

Within cap

$17,000 usable; $24,000 cap (6%)

Rule citations

conventionalCapshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02

conventionalEligibleCostshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02

Rules 2026-11; dates transcribed from the supplied research.

Rule citations

conventionalCapshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcs Last verified: 2026-11-02

conventionalEligibleCostshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcs Last verified: 2026-11-02

conventionalTempBuydownhttps://selling-guide.fanniemae.com/sel/b2-1.4-04/temporary-interest-rate-buydowns Last verified: 2026-11-02

Rules 2026-11; dates transcribed from the supplied research.

All figures Estimated until a lender quote is entered

Your split (not set)

Choose a preset or drag the sliders to fill this column.

Full payment schedule / note rate / term

P&I - Years 1-30: $2,455.83/month.

Housing including MI/MIP, taxes, insurance and HOA - Months 1-118: $3,355.83/month; Months 119-360: $3,205.83/month.

Note rate 7.25%; loan term 30 years (360 months).

Not a loan quote. APR not calculated.

Cash to close: —
P&I, year 1 / month: —
P&I, year 3+ / month: —
Nominal net cost (5 years): —

Loan details

P&I, year 2 / month: $2,455.83
Housing, year 1 / month: $3,355.83
Housing, year 3+ / month: $3,355.83
MI / MIP duration: 118 months
Loan principal: $360,000
Resulting note rate / term: 7.25% / 30 years
LTV: 90%
Principal paid (5 years): $20,236
Balance (5 years): $339,764

Contribution limits

Within cap

$0 usable; $24,000 cap (6%)

Rule citations

conventionalCapshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02

conventionalEligibleCostshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02

Rules 2026-11; dates transcribed from the supplied research.

Unused dollars & warnings

Unallocated: $20,000
Unused credit: $0
Excess sales concession: $0

Estimated pricing uses a rate-per-point rule of thumb; replace with lender pricing.

Alternative credit treatment

No difference

All price cut

Full payment schedule / note rate / term

P&I - Years 1-30: $2,333.04/month.

Housing including MI/MIP, taxes, insurance and HOA - Months 1-118: $3,225.54/month; Months 119-360: $3,083.04/month.

Note rate 7.25%; loan term 30 years (360 months).

Not a loan quote. APR not calculated.

Cash to close: $55,000
P&I, year 1 / month: $2,333.04
P&I, year 3+ / month: $2,333.04
Nominal net cost (5 years): $526,308Lowest

Loan details

P&I, year 2 / month: $2,333.04
Housing, year 1 / month: $3,225.54
Housing, year 3+ / month: $3,225.54
MI / MIP duration: 118 months
Loan principal: $342,000
Resulting note rate / term: 7.25% / 30 years
LTV: 90%
Principal paid (5 years): $19,225
Balance (5 years): $322,775

Contribution limits

Within cap

$0 usable; $22,800 cap (6%)

Rule citations

conventionalCapshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02

conventionalEligibleCostshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02

Rules 2026-11; dates transcribed from the supplied research.

Unused dollars & warnings

Unallocated: $0
Unused credit: $0
Excess sales concession: $0

Estimated pricing uses a rate-per-point rule of thumb; replace with lender pricing.

Alternative credit treatment

No difference

All credit

Full payment schedule / note rate / term

P&I - Years 1-30: $2,455.83/month.

Housing including MI/MIP, taxes, insurance and HOA - Months 1-129: $3,355.83/month; Months 130-360: $3,205.83/month.

Note rate 7.25%; loan term 30 years (360 months).

Not a loan quote. APR not calculated.

Cash to close: $45,000Lowest
P&I, year 1 / month: $2,455.83
P&I, year 3+ / month: $2,455.83
Nominal net cost (5 years): $541,114

Loan details

P&I, year 2 / month: $2,455.83
Housing, year 1 / month: $3,355.83
Housing, year 3+ / month: $3,355.83
MI / MIP duration: 129 months
Loan principal: $360,000
Resulting note rate / term: 7.25% / 30 years
LTV: 91.837%
Principal paid (5 years): $20,236
Balance (5 years): $339,764

Contribution limits

Over program cap

$12,000 usable; $12,000 cap (3%)

Rule citations

conventionalCapshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02

conventionalEligibleCostshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02

Rules 2026-11; dates transcribed from the supplied research.

Unused dollars & warnings

Unallocated: $0
Unused credit: $0
Excess sales concession: $8,000

Excess is a sales concession: reduce the sales price used for LTV and recompute LTV and MI.

Estimated pricing uses a rate-per-point rule of thumb; replace with lender pricing.

Alternative credit treatment

If the extra credit is simply lost

Estimated. Applies when the excess is withdrawn from the transaction; it does not waive the program cap.

Cash to close: $40,000
Full payment schedule / note rate / term: P&I - Years 1-30: $2,455.83/month.
Housing including MI/MIP, taxes, insurance and HOA - Months 1-118: $3,355.83/month; Months 119-360: $3,205.83/month.
Note rate 7.25%; loan term 30 years (360 months).
Not a loan quote. APR not calculated.
MI duration: 118 months
LTV: 90%
Principal paid (5y): $20,236
Balance (5y): $339,764
Nominal net cost (5y): $536,114
Credit lost: $3,000

Within cap

$17,000 usable; $24,000 cap (6%)

Rule citations

conventionalCapshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02

conventionalEligibleCostshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02

Rules 2026-11; dates transcribed from the supplied research.

All points

Full payment schedule / note rate / term

P&I - Years 1-30: $2,126.34/month.

Housing including MI/MIP, taxes, insurance and HOA - Months 1-102: $3,026.34/month; Months 103-360: $2,876.34/month.

Note rate 5.861%; loan term 30 years (360 months).

Not a loan quote. APR not calculated.

Cash to close: $57,000
P&I, year 1 / month: $2,126.34
P&I, year 3+ / month: $2,126.34Lowest
Nominal net cost (5 years): $527,996

Loan details

P&I, year 2 / month: $2,126.34
Housing, year 1 / month: $3,026.34
Housing, year 3+ / month: $3,026.34
MI / MIP duration: 102 months
Loan principal: $360,000
Resulting note rate / term: 5.861% / 30 years
LTV: 90%
Principal paid (5 years): $25,584
Balance (5 years): $334,416

Contribution limits

Within cap

$20,000 usable; $24,000 cap (6%)

Rule citations

conventionalCapshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02

conventionalEligibleCostshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02

Rules 2026-11; dates transcribed from the supplied research.

Unused dollars & warnings

Unallocated: $0
Unused credit: $0
Excess sales concession: $0

Points exceed configured maximum 3; verify QM and lender limits.

Estimated pricing uses a rate-per-point rule of thumb; replace with lender pricing.

Alternative credit treatment

No difference

2-1 + rest to costs

Full payment schedule / note rate / term

P&I - Year 1: $1,987.93/month; Year 2: $2,216.58/month; Years 3-30: $2,455.83/month.

Housing including MI/MIP, taxes, insurance and HOA - Year 1: $2,887.93/month; Year 2: $3,116.58/month; Months 25-118: $3,355.83/month; Months 119-360: $3,205.83/month.

Note rate 7.25%; loan term 30 years (360 months). Temporary buydown: qualify at note rate.

Not a loan quote. APR not calculated.

Cash to close: $45,486
P&I, year 1 / month: $1,987.93Lowest
P&I, year 3+ / month: $2,455.83
Nominal net cost (5 years): $533,114

Loan details

P&I, year 2 / month: $2,216.58
Housing, year 1 / month: $2,887.93
Housing, year 3+ / month: $3,355.83
MI / MIP duration: 118 months
Loan principal: $360,000
Resulting note rate / term: 7.25% / 30 years
LTV: 90%
Principal paid (5 years): $20,236
Balance (5 years): $339,764

Contribution limits

Within cap

$20,000 usable; $24,000 cap (6%)

Rule citations

conventionalCapshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02

conventionalEligibleCostshttps://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcsLast verified: 2026-11-02

conventionalTempBuydownhttps://selling-guide.fanniemae.com/sel/b2-1.4-04/temporary-interest-rate-buydownsLast verified: 2026-11-02

Rules 2026-11; dates transcribed from the supplied research.

Unused dollars & warnings

Unallocated: $0
Unused credit: $0
Excess sales concession: $0

Temporary buydown: qualify at note rate.

Estimated pricing uses a rate-per-point rule of thumb; replace with lender pricing.

Alternative credit treatment

No difference

How long is your horizon?

Estimated

Include opportunity cost (FV)

Nominal net cost = cash to close + paid P&I + paid MI/MIP + remaining balance − unused buydown escrow. Excludes property value, taxes, insurance and HOA. Loan payments stop at maturity.

5-year detail: nominal dollars
Allocation / pricing source	Cash to close	Paid P&I	Paid MI/MIP	Principal paid	Balance	Unused escrow	Cumulative net cost
Your allocationEstimated	$57,000	$147,350	$9,000	$20,236	$339,764	$0	$553,114
All price cutEstimated	$55,000	$139,983	$8,550	$19,225	$322,775	$0	$526,308
All creditEstimated	$45,000	$147,350	$9,000	$20,236	$339,764	$0	$541,114
All pointsEstimated	$57,000	$127,580	$9,000	$25,584	$334,416	$0	$527,996
2-1 + rest to costsEstimated	$45,486	$138,864	$9,000	$20,236	$339,764	$0	$533,114

5-year detail: nominal dollars
Allocation / pricing source	Your allocation	All price cut	All credit	All points	2-1 + rest to costs
Cash to close	$57,000	$55,000	$45,000	$57,000	$45,486
Paid P&I	$147,350	$139,983	$147,350	$127,580	$138,864
Paid MI/MIP	$9,000	$8,550	$9,000	$9,000	$9,000
Principal paid	$20,236	$19,225	$20,236	$25,584	$20,236
Balance	$339,764	$322,775	$339,764	$334,416	$339,764
Unused escrow	$0	$0	$0	$0	$0
Cumulative net cost	$553,114	$526,308	$541,114	$527,996	$533,114

A shortlist for every goal.

Estimated

How the shortlist is ranked

Top three allocations from the engine’s $500 grid, including exact endpoints and quoted ladder prices. This is an approximate search; confirm the structure with your lender. Rankings use the main sales-concession treatment.

Cash at closing

Finding best allocation…

Monthly payment

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Long-term cost

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Refinance soon

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Report branding

Custom branding (license required)Brand nameLogo URL (HTTPS only)Accent (hex color)

PDF logos must be HTTPS PNG or JPEG images on a host that permits cross-origin access. Unsupported or unavailable logos may be omitted.

Generated locally in your browser. Open Seller to include seller / developer figures.

Prepared for (optional)Prepared by (optional)

License unlock

Have a license key?

Unlock branding and remove the ClosingLever free watermark from PDFs and embeds. Verification stays in your browser.

Manage or cancel subscription

Keys are saved in local storage on this browser only. Verification works offline; subscription renewal checks run when online. License help.

Embed on your site

Embed themeEmbed mode

Custom branding (license required)Brand nameLogo URL (HTTPS only)Accent (hex color)

Free embeds show a watermark and ignore custom branding. A branded host iframe must have a valid license in its own browser context. See license help. No key is copied into this snippet automatically. The resize listener checks the sending window, origin, message type and bounded height. Copy both the iframe and script. Use a unique iframe ID for each additional widget.

Iframe and resize script

Educational estimate. Not a Loan Estimate, rate quote, commitment to lend, or legal/tax/financial advice. Program rules and lender overlays vary; confirm with your lender.

Rules 2026-11. Local calculations. No account required.