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Build Your Mortgage Estimate

See your estimated payment and how much cash you may need to close.

Home Price

Down Payment

Change either box — the other updates itself.

Loan Type

Today's Estimated Rate

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HOA Dues — optional

Per month

Loan Term

Your Estimated Monthly Payment

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per month

Principal & Interest—

Property Taxes—

Homeowners Insurance—

Estimated Payment—

Estimated Closing Costs

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in addition to your down payment

Total Estimated Closing Costs—

Tap any category to see the charges behind it.

Not all closing costs are lender fees. Some are taxes, insurance and prepaid items that would be owed no matter which lender you use.

Estimated Cash Needed to Close

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Closing Cost Details

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Total Estimated Closing Costs—

Want to see another option?

View Detailed Estimate

Loan Terms

Purchase Price

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Down Payment

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Loan Amount

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Rate & Term

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Points

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Cash to Close Worksheet

Estimated remaining cash to close

Every charge appears once and every credit is subtracted once. This worksheet reconciles to the Estimated Cash Needed to Close figure above.

Rate & Points Comparison

Option	Rate	Points	Points Cost	Monthly P&I	Monthly Savings	Added Upfront	Break-Even

Paying points means paying money up front to get a lower interest rate. The break-even point is how long you need to keep the loan before the monthly savings pay back the upfront cost.

Long-Term Loan Information

APR: —
Total Interest Paid: —
Total of Payments: —

Assumes the loan is held to full term with all scheduled payments made on time. Most borrowers sell or refinance long before then.

View Calculation Details

Every figure below comes from the same calculation the page, the PDF and the scenario link use. Nothing here is recomputed for display.

Internal

Title and escrow defaults are modeled from LiveLendLA's real closed files by loan amount. Homeowners-insurance defaults are benchmarked from the CD/LE Example Library.

Advanced Options

Interest rate & credit

Interest Rate

Credit Assumption Drives conventional mortgage insurance pricing.

Closing date, taxes & insurance

Estimated Closing Date Blank = end of the current month

Property Tax Rate

1.25% = Los Angeles County default

Homeowners Insurance

Per month

Interest Only

Escrow Account

Include Taxes & Insurance With My Payment The lender collects taxes and insurance monthly and pays the bills for you. A starting balance is collected at closing. I'll Pay Taxes & Insurance Myself Nothing collected at closing for taxes and insurance and a lower monthly payment to the lender — you pay those bills directly when they come due.

Points, credits & deposits

Every value below is optional.

Points

Lender Credit

Seller Credit

Earnest Money Already Paid

Other Credits

Monthly MI Override

Blank = estimated from the published rate card

Title, escrow, prorations & transfer tax

Title Fees Override

Replaces the modeled title total (excludes Owner's Policy)

Escrow Fees Override

Replaces the modeled escrow-company total

Prepaid Interest Days Auto: closing date through month end

Property Tax Proration / Seller Tax Credit

$0 unless you enter an actual figure. Negative = credit to buyer.

Aggregate Escrow Adjustment

Negative = credit. $0 unless escrow states one.

Transfer Tax Paid By

Transfer Tax Amount

Fee overrides

Leave a fee blank to use the calculated or benchmarked default. The placeholder shows what the estimate is currently using.

Rate & points comparison — enter real pricing

Enter up to three actual quotes from your rate sheet. Nothing about the rate/points relationship is assumed or invented — the table only measures what you type. Fill in at least two rows to show the comparison.

pts

Client information — for the PDF only

Optional. Appears on the PDF and is never added to the scenario link.

Prepared For

Property Address