See the full payment.
Explore the possibilities.
Include the costs that matter, see what extra payments could change, and compare a refinance. All three tools stay right here.
Starting figures are examples, not rates or loan offers. Conventional fixed-rate estimates only.
What could your monthly payment be?
Start with the home and loan. Then add taxes, insurance, HOA dues and an illustrative PMI amount.
View the loan’s amortization schedule
Principal and interest only. Taxes, insurance, HOA dues and PMI are not projected in this schedule.
| Year | Payments | Principal | Interest | Balance |
|---|
PMI uses the original loan amount and the annual percentage you enter. This schedule does not predict PMI cancellation. FHA, VA, USDA, adjustable-rate and interest-only loans are not modeled.
What could an extra payment change?
Compare the same fixed loan with and without an extra principal payment each month, starting with the next payment.
View the payoff plan with extra payments
Principal and interest only. Taxes, insurance, HOA dues and PMI are not projected in this schedule.
| Year | Payments | Principal | Interest | Balance |
|---|
Is a refinance worth comparing?
Look at the payment, costs and remaining balance over the same period. A lower payment alone does not show the full cost.
Your comparison
| Compare | Current loan | New loan |
|---|---|---|
| Starting balance | — | — |
| Monthly principal & interest | — | — |
| Payments made over the comparison period | — | — |
| Balance still owed at that point | — | — |
| Upfront costs included in this comparison | $0.00 | — |
| Interest over the loan’s full remaining term | — | — |
This is a no-cash-out, principal-and-interest comparison. Taxes, insurance, PMI, tax effects, investment returns and changes in property value are excluded. Adding costs to the loan means paying interest on them. A simple payment break-even is a limited cash-flow measure, not total savings.
Turn the estimate into a plan.
Talk with Lance about your property, timing and loan options. A personalized quote requires a separate review.
Estimates, with the assumptions in view.
Results are for planning and do not determine eligibility, approval or actual loan terms. Amounts are rounded for display. Your lender’s calculations and payment schedule may differ.