Empower
Scenario Comparator
Compare up to 3 loan scenarios side by side. Adjust program, rate, term, and down payment to find the best option for you.
PMI (0.7%/yr · if LTV > 80%)$166/mo
No PMI at 20%+ down · PMI cancels at 80% LTV
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PMI (0.7%/yr · if LTV > 80%)$166/mo
No PMI at 20%+ down · PMI cancels at 80% LTV
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Scenario ABest
$2,565/mo
without DPA payment
Convencional · 6.75% · 30 yrs
P&I$1,849
MIP/PMI$166
Total interest (1st)$380,462
Scenario BBest
$2,565/mo
without DPA payment
Convencional · 6.75% · 30 yrs
P&I$1,849
MIP/PMI$166
Total interest (1st)$380,462
Visual Comparison
Monthly Payment Breakdown
Stacked breakdown per scenario
- P&I
- MIP/PMI
- Taxes + Insurance
Total Interest Cost Over Loan Life
Lower is better — compare program costs
Scenario A: Highest interest cost baseline
Scenario B: Highest interest cost baseline
Detailed Comparison Table
| Metric | Scenario AConvencional | Scenario BConvencional |
|---|---|---|
| Loan Structure | ||
| Loan Program | Convencional | Convencional |
| Sale Price | $300,000 | $300,000 |
| Down Payment | $15,000 (5%) | $15,000 (5%) |
| Total Loan Amount | $285,000 | $285,000 |
| Interest Rate | 6.75% | 6.75% |
| Loan Term | 30 yrs | 30 yrs |
| Monthly Payment (1st Mortgage) | ||
| P&I | $1,849 | $1,849 |
| MIP / PMI / Annual Fee | $166 | $166 |
| Taxes (mo.) | $450 | $450 |
| Insurance (mo.) | $100 | $100 |
| Total Monthly (no DPA) | $2,565 Lowest | $2,565 Lowest |
| Long-term Cost | ||
| Total Interest (1st loan) | $380,462 Cheapest | $380,462 Cheapest |
⚠ All values are estimates only. Rates and fees may vary. This does not constitute a loan commitment. Contact a licensed loan officer for official quotes.