Scenario Studio

Three strategies. Your call.

Adjust any scenario to see how your payment, total cost, and cash-to-close change in real time.

Check Readiness

Home Price

$685,000

Credit Score

748 — Very Good

Taxes + Insurance

$1,317/mo

Market Rate Range

6.125% – 6.875%

Minimum Cash

Lower Cash Upfront

Rate6.875%
2.5%9.0%
Down Payment3.5%
3%30%

Monthly Total

$6K

Cash to Close

$41K

Total Interest

$902K

PMI

$275/mo

vs. Balanced:+$413/mo
SC
Sarah Chen·Your Mortgage Advisor
Minimum cash to close. FHA gives access now, but PMI adds cost until 20% equity.
★ Recommended

Balanced Approach

Rate6.625%
2.5%9.0%
Down Payment10%
3%30%

Monthly Total

$6K

Cash to Close

$86K

Total Interest

$805K

PMI

$257/mo

SC
Sarah Chen·Your Mortgage Advisor
10% down eliminates FHA, keeps cash invested, qualifies for best conventional pricing.
Max Equity

Wealth Optimization

Rate6.125%
2.5%9.0%
Down Payment20%
3%30%

Monthly Total

$6K

Cash to Close

$154K

Total Interest

$291K

PMI

$0

vs. Balanced:+$457/mo
SC
Sarah Chen·Your Mortgage Advisor
20% down + 15yr: zero PMI, maximum equity velocity. Highest monthly commitment.

Loan Balance Over Time

How quickly each strategy pays down your mortgage

Lower Cash Upfront
Balanced Approach
Wealth Optimization

Cumulative Cost

Total paid (P&I) at 5, 15, and full term

Lower Cash Upfront
Balanced Approach
Wealth Optimization

Scenario Comparison Summary

MetricLower Cash UpfrontBalanced ApproachWealth Optimization
Monthly Total$5,935$5,521$5,978
Cash to Close$41,100$85,625$154,125
Total Interest$902,262$804,606$291,056
Loan Amount$661,025$616,500$548,000
Check Your Readiness
SC

Sarah Chen has a thought for you.

Your Mortgage Advisor

You're in a strong position. Before finalizing a scenario, let's talk through one thing I want to make sure you feel good about.