Plan your numbersThe calculators that lenders actually use.
Six calculators to model your purchase or refinance. Each one discloses its assumptions — none of these are loan commitments.
Mortgage Payment
Conforming limit $806,500
Loan now $440,000. Your loan officer confirms by county — high-cost counties raise the conforming ceiling up to $1,209,750.
Conventional at LTV ≤ 80% — no PMI.
- Base rateConventional (Conforming) · 30yr6.625%
- Credit overlayCredit 700-739—
- Program LLPALTV 80.0% · ≤80% LTV discount−0.125%
- Quoted rate6.500%
Final pricing also reflects loan size, occupancy, property type, lock period, points, and lender overlays — confirmed at lock by your loan officer.
Indicative Conventional (Conforming) pricing for a 30yr loan with 700-739 credit. Monthly MI/PMI/MIP and upfront fees (FHA UFMIP, VA funding fee, USDA guarantee) are included where applicable; upfront fees are assumed financed into the loan balance. ARM scenarios use an assumed fully-indexed rate of 7.25% (SOFR 4.50% + 2.75% margin) and 2/2/5 caps. Excludes lender fees, points, HOA special assessments, and county-specific tax/insurance overlays.
● Start a preliminary application — these inputs will prefill your file. Nothing is submitted until you review.
All scenarios are preliminary and subject to borrower qualification, credit review, income verification, property approval, program guidelines, lender overlays, and licensed loan officer review.