Loan Details
Enter the base loan amount and select the amortization term.
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Rate Options
Enter a rate for each option, then mark whether that rate carries a discount cost (paid at closing) or a lender credit (reduces closing costs).
| Rate | Discount / Credit |
|---|
Results Monthly payment & break-even by option
Monthly Payment by Option
Principal & interest only, amortized over the selected term.
Break-Even Analysis
For each pair where one option costs more upfront but pays less per month, this shows how many months it takes for the monthly savings to recover the extra upfront cost.