Mortgage Scenario Simulator

Model your payment, cash-to-close, and long-run costs. Compare two scenarios side-by-side (e.g., Buy vs Buydown, Refi vs Current).

Compare mode
Scenario A
Primary scenario inputs
Property & Loan
Monthly Housing Costs
Upfront & Closing
Assumptions

This is an educational simulator. Results are estimates only and do not include income taxes, transaction costs, or lender-specific fees unless entered.

Scenario B
Enabled in Compare mode
Property & Loan
Monthly Housing Costs
Upfront & Closing
Assumptions

Enable Compare mode to edit Scenario B.

Summary
Monthly payment and upfront cash
A: Monthly PITI+HOA
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B: Monthly PITI+HOA
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Monthly difference (B − A)

Rate Sensitivity Analyzer

See how your monthly payment changes as rates move up or down.

Notes: Payment = principal & interest + optional escrow. Adjust the loan amount directly or use price + down payment.

Base monthly P&I
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Base total (with escrow)
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Per +0.25% change
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Rate Monthly P&I Δ vs base Total (w/ escrow)
Payment sensitivity