Mortgage Scenario Planner

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Model up to three different mortgage scenarios side-by-side — compare how down payment, interest rate, term, and extra payments interact to shape your total cost.

Base Property Details

Shared across all scenarios — change the rest per-scenario below.

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How to use the Scenario Planner

This tool is designed for the key decisions that actually move your numbers: how much to put down, what rate you can get, which term fits your budget, and whether extra payments change the calculus.

Try these comparisons:

• 10% vs 20% down: Set the same rate and term but different down payments to see how PMI and loan size affect total cost.

• Rate sensitivity: Use the same loan setup but vary the rate by 0.5% increments — see how much a quarter-point matters over 30 years.

• Extra payments vs. shorter term: Compare a 30-year loan with $300/month extra against a 15-year loan at a lower rate. You might be surprised which wins.

💡 Best Used With Real Numbers

Get actual rate quotes from lenders before finalizing your scenarios. Use our free quote request to see personalized offers — then plug those exact rates in here.

Compare Today's Top Lender Rates

Rates update daily. See what lenders are offering for your loan type and location — no obligation required.

LenderA
Best for First-Time Buyers
6.49% Check Rate
LenderB
Lowest Closing Costs
6.62% Check Rate
LenderC
Best for Refinancing
6.71% Check Rate

Rates shown are representative estimates. Actual offers depend on credit score, loan amount, and location. View full rate table →

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Payment Calculator Refinance Calculator 15 vs 30-Year Comparison Extra Payment Calculator Affordability Calculator Amortization Schedule