Loan Scenarios — Edit Any Field
Monthly Payment Breakdown
Monthly Payment Breakdown
Principal & Interest + Tax + Insurance + PMI/MIP
Total Interest Paid Over Life of Loan
Lower is better — cumulative interest cost
Equity Built Over Time
Home equity including appreciation at 3.5% annually
Cash Needed to Close
Down payment + closing costs + points
Year-by-Year Amortization
Cumulative principal paid, interest paid, and remaining balance
| Year / Scenario | Payment/mo | Paid to Principal | Paid to Interest | Remaining Balance | Home Value | Equity |
|---|
Rent vs. Own Analysis
Compare the true long-term cost of renting against buying a home over time
Cumulative Cost: Renting vs. Owning
Total out-of-pocket costs year by year (owning includes equity gain)
Cost of Waiting Analysis
What happens to your client's financial picture if they wait to buy?
Impact of Waiting Over Time
Cumulative cost difference between buying now vs. after the wait period