Home Purchase Dashboard
Adjust design selections and see the impact on your conventional mortgage for Arbor Valley Lot 159 - Delta.
Upgrade Options
Check the original Eliminate box to temporarily exclude an option; uncheck to include it again. Use Delete only to permanently remove an option. The contracted structural selections are included by default; all option changes recalculate the loan.
| Description | Info | Price | Monthly impact | Eliminate | Actions |
|---|---|---|---|---|---|
| STRUCTURAL | |||||
| iElevation PB1 | $ | +$29.10/mo | |||
| i3 Car Front Load Garage; garage left | $ | +$125.47/mo | |||
| iExtended Covered Patio | $ | +$74.35/mo | |||
| iStudy | $ | +$8.08/mo | |||
| iAdditional Windows | $ | +$8.08/mo | |||
| iGourmet Kitchen 3 - 36" cooktop, microwave with oven, furniture hood | $ | +$16.17/mo | |||
| iWaterfall island top | $ | +$14.10/mo | |||
| iAdditional Windows | $ | +$8.08/mo | |||
| iCubbies | $ | +$4.85/mo | |||
| iStairs with open rail and spindles | $ | +$25.84/mo | |||
| iAdd optional door | $ | +$2.26/mo | |||
| i36" x 60" shower with separate free-standing tub | $ | +$36.87/mo | |||
| EXTERIOR | |||||
| iBlack Windows | $ | +$7.28/mo | |||
| PLUMBING | |||||
| iRaised & Elongated Toilet | $ | +$0.81/mo | |||
| iRaised & Elongated Toilet | $ | +$0.81/mo | |||
| iRaised & Elongated Toilet | $ | +$0.81/mo | |||
| iRaised & Elongated Toilet | $ | +$0.81/mo | |||
| CABINETS | |||||
| iSecondary color at kitchen island & baths; Portland Green | $ | +$5.82/mo | |||
| iLevel 2; Satin Bronze pulls/knobs | $ | +$2.55/mo | |||
| iSoft Close On All Cabinets | $ | +$6.44/mo | |||
| iPre-determined location | $ | +$2.23/mo | |||
| COUNTERTOPS | |||||
| iQuartz Level 2; Carrara Roma | $ | +$4.66/mo | |||
| i9" Deep Apron Front Farmhouse Under Mount | $ | +$9.38/mo | |||
| iQuartz Level 2; Carrara Roma | $ | +$2.86/mo | |||
| iSquare sink | $ | +$0.97/mo | |||
| iQuartz Level 2; Carrara Roma | $ | +$1.51/mo | |||
| iSquare sink | $ | +$0.49/mo | |||
| iQuartz Level 2; Carrara Roma | $ | +$2.52/mo | |||
| iSquare sink | $ | +$0.49/mo | |||
| iQuartz Level 2; Carrara Roma | $ | +$1.35/mo | |||
| iSquare sink | $ | +$0.49/mo | |||
| ELECTRICAL | |||||
| iFlood lights | $ | +$3.88/mo | |||
| i1 laundry, 1 back patio, 1 owners bath, 1 bath 3; $200 each | $ | +$5.17/mo | |||
| i3 pantry, 1 owners suite closet; $100 each | $ | +$2.59/mo | |||
| iWindom Lighting Vanity - Midnight Black; 5 fixtures | $ | +$1.62/mo | |||
| iIncludes switch | $ | +$3.23/mo | |||
| iIncludes switch | $ | +$3.23/mo | |||
| iIncludes switch | $ | +$3.23/mo | |||
| iIncludes switch | $ | +$3.23/mo | |||
| INTERIOR HARDWARE | |||||
| iDoor Lever Milan - Matte Black | $ | +$2.59/mo | |||
| iFrameless Shower Door - Matte Black, Clear Glass | $ | +$8.38/mo | |||
| FIREPLACE | |||||
| iHearth - Brick | $ | +$4.82/mo | |||
| FLOORING | |||||
| iLevel 1; Beaver Ruin C039Y, 00530 Ecru | $ | +$7.19/mo | |||
| i8 lb Carpet Pad | $ | +$3.87/mo | |||
| iTile Level 2; Memoir 12x12; Matte Jewel Black | $ | +$2.26/mo | |||
| iLuxury Vinyl Plank Base Level; Ryman | $ | +$22.42/mo | |||
| iTile Level 2; Florentine 12x24; FL06 Carrara | $ | +$3.98/mo | |||
| iLuxury Vinyl Plank Base Level; Ryman | $ | +$11.64/mo | |||
| iTile Level 2; Florentine 12x24; FL06 Carrara | $ | +$1.52/mo | |||
| iTile Level 2; Florentine 12x24; FL06 Carrara | $ | +$2.30/mo | |||
| iTile Level 2; Memoir 12x12; Matte Jewel Black | $ | +$1.75/mo | |||
| WALL TILE | |||||
| iLevel 3; Mesmerist 3x12; MM30 Spirit; stacked horizontal | $ | +$3.62/mo | |||
| iLevel 2; Florentine 12x24; FL06 Carrara; 2x4 brick joint floor | $ | +$7.08/mo | |||
| EXTERIOR | |||||
| iIncluded / $0 selection. Custom CO-003828 | $ | +$0.00/mo | |||
| iIncluded / $0 selection. Painted Level 4; Grizzle Gray | $ | +$0.00/mo | |||
| iIncluded / $0 selection. Level 400 - Painted | $ | +$0.00/mo | |||
| iIncluded / $0 selection. Black | $ | +$0.00/mo | |||
| iIncluded / $0 selection. Glacier White | $ | +$0.00/mo | |||
| iIncluded / $0 selection. Black | $ | +$0.00/mo | |||
| iIncluded / $0 selection. Weathered Wood | $ | +$0.00/mo | |||
| iIncluded / $0 selection. Black | $ | +$0.00/mo | |||
| iIncluded / $0 selection. Black | $ | +$0.00/mo | |||
| iIncluded / $0 selection. Grizzle Gray 7068; trim Pure White 7005 | $ | +$0.00/mo | |||
| STRUCTURAL | |||||
| iIncluded / $0 selection. LVP treads with painted risers | $ | +$0.00/mo | |||
| CABINETS | |||||
| iIncluded / $0 selection. Level 3 Squire Silvergrass; secondary Portland Green | $ | +$0.00/mo | |||
| ELECTRICAL | |||||
| iIncluded / $0 selection. Patio, great room, loft, primary bedroom, bedrooms 2-5; included | $ | +$0.00/mo | |||
| iIncluded / $0 selection. 2 pendant prewire lights; included | $ | +$0.00/mo | |||
| iIncluded / $0 selection. Included | $ | +$0.00/mo | |||
| GARAGE | |||||
| iIncluded / $0 selection. Do Not Insulate Garage; no added charge | $ | +$0.00/mo | |||
| INTERIOR HARDWARE | |||||
| iIncluded / $0 selection. Do Not Install Mirrors; primary and baths 2-4 | $ | +$0.00/mo | |||
| FLOORING | |||||
| iIncluded / $0 selection. Ryman | $ | +$0.00/mo | |||
| PAINT | |||||
| iIncluded / $0 selection. Pure White 7005 | $ | +$0.00/mo | |||
| APPLIANCES | |||||
| iIncluded / $0 selection. Gallery Stainless Steel Package - Electric | $ | +$0.00/mo | |||
Home Information
Assumptions
Grouped by loan type and escrow.
Conventional Assumptions
Escrow Assumptions
Credits & Closing
DTI / Qualification
Debt-to-Income (DTI) Qualification
Plan around a 50% maximum back-end DTI. Includes the proposed mortgage, property taxes, homeowners insurance, PMI, HOA and your active monthly debts. Check Eliminate to test paying off a debt without deleting it.
Rental Property Income
Model 75% of gross monthly rent as qualifying income, and separately count the rental property's full monthly housing payment (principal, interest, property tax, insurance and HOA) as debt. This is a scenario model; confirm Silverton's exact treatment, especially if the existing mortgage is already included in other debts.
| Property | Gross monthly rent | Full housing payment | 75% counted | Eliminate | Actions |
|---|---|---|---|---|---|
$ | $ | $2,250.00/mo |
Do not enter the same rental mortgage payment again in the Monthly Debt Planner or unitemized debts. A positive net contribution does not guarantee the lender will count it as additional qualifying income; lease, tax returns, reserves and lender guidelines can change the treatment.
Monthly Debt Planner
| Debt | Monthly payment | Eliminate | Actions |
|---|---|---|---|
$ | |||
$ | |||
$ | |||
$ |
Use gross qualifying income, not take-home pay. This is a planning calculation; Silverton decides which income and debts qualify, and whether 50% DTI is permitted for your loan. Do not count ordinary utilities or groceries as debt payments.
Conventional Loan Breakdown
Calibrated to the October 6 Loan Estimate. Structural and design options update the mortgage, PMI estimate, taxes, down payment, and cash needed. Closing fees and PMI remain estimates until Silverton re-quotes.
Ask AI Advisor
Uses this active home, its structural and design options, contract assumptions, payment breakdowns, and AI history.
Recent AI History for Arbor Valley Lot 159 - Delta
Mortgage Amortization · First 10 Years
See how each payment reduces principal and how much goes to interest. Automatically uses your current loan amount, rate, term and eliminated upgrade selections.
| Year | Principal paid | Interest paid | Total P&I paid | Remaining balance |
|---|
Projection assumes fixed monthly payments at 5.750% and no extra principal payments. PMI, taxes, insurance, and HOA are excluded from amortization because they do not reduce your loan balance. Actual lender rounding and payment dates may vary.