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Conventional FHA

Home Price

Down Payment (%)

Interest Rate (%)

Term 30 years 20 years 15 years

Estimated Credit Score 760+ 740–759 720–739 700–719 680–699 660–679 640–659 Below 640

Loan Amount Type Standard loan limit High-balance loan amount

Annual Property Tax Rate (%)

Conventional

PMI depends on your credit score and down payment, and it drops off once you reach 20% equity. Stronger credit, lower PMI.

FHA

Lower down payment and flexible credit. MIP is a flat annual rate that depends on whether your loan is standard or high-balance.

Doesn't fit either?

Bank statement, 1099, asset depletion, and DSCR loans price differently. See creative financing or just send me your scenario.

Estimates for illustration only. Home insurance is estimated at 0.4% of purchase price annually. Property tax rate is user-adjustable and defaults to a general estimate for your area, confirm your actual local rate. Mortgage insurance (PMI/MIP) figures are estimated using general industry ranges by credit tier and loan type and are not a quote from any specific provider. This is not a quote, a pre-approval, or a commitment to lend. Your actual rate, payment, taxes, insurance, and MI depend on your full credit profile, income, property, and program guidelines once we run your scenario.