Active Home
Home Purchase Dashboard
Adjust upgrades, credits, escrow, buydowns, and loan assumptions for Current Home.
Conventional Better$135.72/mo difference
Grand Sale Price
$683,700.00
Options Removed
$0.00
Total Closing Credits
$0.00
Best Monthly Payment
$3,945.09
Conventional is cheaper
Upgrade Options
Check an item to remove it from this home. Hover the info icon to see details.
| Description | Info | Price | Eliminate | Actions |
|---|---|---|---|---|
| Architectural | ||||
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| Windows | ||||
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| Color Packages | ||||
| iNo details added yet. | $ | |||
| Stairs | ||||
| iNo details added yet. | $ | |||
| Plumbing | ||||
| iNo details added yet. | $ | |||
| iNo details added yet. | $ | |||
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| Electrical | ||||
| iNo details added yet. | $ | |||
| iNo details added yet. | $ | |||
| iNo details added yet. | $ | |||
| Cabinets | ||||
| iNo details added yet. | $ | |||
| iNo details added yet. | $ | |||
| Interior Doors/Trim | ||||
| iNo details added yet. | $ | |||
| iNo details added yet. | $ | |||
| Flooring | ||||
| iNo details added yet. | $ | |||
| iNo details added yet. | $ | |||
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| Tile Walls | ||||
| iNo details added yet. | $ | |||
| Tile Backsplash | ||||
| iNo details added yet. | $ | |||
| Shower Door | ||||
| iNo details added yet. | $ | |||
| Sales Incentives | ||||
| iNo details added yet. | $ | |||
Home Information
$
$
Options Total$73,800.00
Options Eliminated$0.00
New Options Total$73,800.00
Grand Total Sale Price$683,700.00
Assumptions
Grouped by loan type and escrow.
FHA Assumptions
Conventional Assumptions
Escrow Assumptions
$
Credits & Closing
$
$
$
DTI / Qualification
$
$
Temporary Rate Buydowns
Optional. Add year 1 and year 2 rates. Year 3+ uses the normal loan rate.
FHA Year 1 Rate
FHA Year 2 Rate
FHA Year 3+ Rate
Conv Year 1 Rate
Conv Year 2 Rate
Conv Year 3+ Rate
FHA Year 1 @ 3.990%$4,080.81
End balance: $659,473.81
FHA Year 2 @ 4.990%$4,468.93
End balance: $649,075.25
FHA Years 3-30 @ 5.990%$4,868.24
End balance: $0.00
Conventional Year 1 @ 3.990%$3,945.09
End balance: $638,056.93
Conventional Year 2 @ 4.990%$4,320.60
End balance: $627,996.07
Conventional Years 3-30 @ 5.990%$4,706.94
End balance: $0.00
Loan Comparison
Payment includes principal, interest, mortgage insurance, tax escrow, and homeowners insurance. Buydown rows show payment changes by year.
FHA
$4,080.81
initial estimated monthly payment
Down Payment$23,929.50
Base Loan$659,770.50
Upfront MIP Financed$11,545.98
Total Financed$671,316.48
Initial P&I$3,201.10
Monthly MIP$302.39
Tax$377.32
Insurance$200.00
Cash to Close$30,245.94
DTI48.67%
Conventional
$3,945.09
initial estimated monthly payment
Down Payment$34,185.00
Financed Loan$649,515.00
Initial P&I$3,097.14
Monthly PMI$270.63
Tax$377.32
Insurance$200.00
Cash to Close$40,447.78
DTI47.55%
| Description | FHA | Conventional |
|---|---|---|
| Grand Sale Price | $683,700.00 | $683,700.00 |
| Down Payment | $23,929.50 | $34,185.00 |
| Base Loan | $659,770.50 | $649,515.00 |
| Principal & Interest | $3,201.10 | $3,097.14 |
| Mortgage Insurance | $302.39 | $270.63 |
| Property Tax | $377.32 | $377.32 |
| Home Insurance | $200.00 | $200.00 |
| Total Closing Credits | $0.00 | $0.00 |
| Total Monthly Payment | $4,080.81 | $3,945.09 |
Ask AI Advisor
Uses this active home, its options, assumptions, buydowns, payment breakdowns, and AI history.
AI response will appear here.
Recent AI History for Current Home
If I were to take my available credits, and buy down the rate. How much rate buy down can I get with the credit I have …
2026-06-06 22:20:56
How is the FHA slightly cheaper per month, but I put so much more down on the Conventional?
2026-06-06 22:01:01