Total Cost Analysis

Purchase & Refinance Architect

Engineer your loan structure with precision. Switch between Purchase and Refinance modes to see exact Cash-to-Close or Cash-Out figures.

Purchase

Refinance

1. Loan Details

Standard

Home Value

Loan Amt (79% LTV)

Rate (%)

Term (Years)

2. Monthly Expenses

Tax

Insurance

$ Yr

$ Mo

MUD/PID

$ Yr

HOA

$ Yr

$ Mo

Total Monthly Payment

$4,775

PITI @ 6.675%

Monthly Breakdown

Principal & Interest$3,260

Taxes & MUD$1,227

Insurance & HOA$288

Total PITI$4,775

Enable Pro Mode to see Closing Costs, Credits & Buydowns.

Equity vs. Interest

● Equity● Interest

Yearly Schedule

Year	Balance	Equity	Total Int.
1	$501k	$139k	$34k
2	$495k	$145k	$67k
3	$489k	$151k	$100k
4	$482k	$158k	$132k
5	$475k	$165k	$164k
6	$467k	$173k	$196k
7	$459k	$181k	$227k
8	$451k	$189k	$257k
9	$441k	$199k	$287k
10	$431k	$209k	$316k
11	$421k	$219k	$344k
12	$409k	$231k	$372k
13	$397k	$243k	$399k
14	$384k	$256k	$425k
15	$370k	$270k	$450k
16	$355k	$285k	$475k
17	$339k	$301k	$498k
18	$322k	$318k	$520k
19	$304k	$336k	$541k
20	$285k	$355k	$561k
21	$264k	$376k	$579k
22	$242k	$398k	$596k
23	$218k	$422k	$612k
24	$193k	$447k	$625k
25	$166k	$474k	$637k
26	$137k	$503k	$648k
27	$106k	$534k	$656k
28	$73k	$567k	$662k
29	$38k	$602k	$666k
30	$0k	$640k	$667k

Disclaimer: This estimate is provided for illustrative and information purposes only based on the basic loan scenario provided. Rates and payments displayed assume a FICO® credit score of 780 or higher. This is not a loan approval or commitment to lend. Interest rates, fees, and terms are effective as of the date viewed and are subject to change without notice based on market conditions and borrower eligibility. The Annual Percentage Rate (APR) is an estimate. Actual APR and terms may vary based on your specific credit history, income, assets, and property characteristics. Until you lock your rate, terms are subject to change.

Loans by Vai

Structuring Your Deal

Understanding who pays for what—and when—is the key to a successful closing.

🏘️

Purchase Power

See exactly how much cash you need to close, including Down Payment, Title Fees, and Prepaids.

🔄

Refinance Logic

Toggle to 'Refinance' to see if you need to bring cash to the table or if you can roll costs into the loan.

📉

Buydown Strategy

Model a 2-1 Buydown funded by the Seller to lower your payment for the first two years without costing you cash.

Ready to lock it in?

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