Side-by-Side Analysis
Loan Comparison Calculator
Compare up to 3 mortgage options side-by-side. See monthly payments, total costs, and find the best loan for your situation.
Recommended Choice
Option A
Monthly Payment
$2,365
Total Interest
$491,380
5-Year Cost$149,897
Lifetime Cost$499,380
Based on lowest 5-year cost (payments + points + closing)
Property Details
$
$
20.0% down
Best Value
%
= $0
$
Monthly Payment$2,365
Total Interest$491,380
Upfront Costs$98,000
5-Year Cost$149,897
Lifetime Cost$499,380
%
= $5,400
$
Monthly Payment$2,275
Total Interest$459,160
Upfront Costs$103,400
5-Year Cost$149,927
Lifetime Cost$472,560
%
= $0
$
Monthly Payment$3,186
Total Interest$213,421
Upfront Costs$97,500
5-Year Cost$198,640
Lifetime Cost$220,921
Quick Comparison
| Metric | Option A | Option B | Option C |
|---|---|---|---|
| Monthly Payment | $2,365 | $2,275 | $3,186 |
| Total Interest | $491,380 | $459,160 | $213,421 |
| Upfront Costs | $98,000 | $103,400 | $97,500 |
| 5-Year Cost | $149,897 | $149,927 | $198,640 |
| Lifetime Cost | $499,380 | $472,560 | $220,921 |
Pro tip: If you plan to stay less than 5-7 years, focus on low upfront costs. For long-term ownership, paying points for a lower rate often saves money overall.
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