Side-by-Side
Mortgage Scenario Comparisons
The 4 conversations every LO has — now instant. Adjust any slider and all numbers update live.
5% DOWNLower cash in — higher monthly
Down payment
$30,000
+ closing costs
Loan amount
$570,000
Monthly P&I
$3,697
PMI (est.)
$261/mo
drops off ~month 127
Total monthly
$3,958
Cash to close
$48k
20% DOWNHigher cash in — no PMI
Down payment
$120,000
+ closing costs
Loan amount
$480,000
Monthly P&I
$3,113
PMI
None
Total monthly
$3,113
Cash to close
$138k
Monthly difference$845/mo
Cash kept (5% route)$90,000
That cash invested @7%/7yr$55k
Total PMI paid/7yr$22k
💡 Keeping cash and putting 5% down is ahead by $33k after 7 years (invested vs PMI cost).
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