🏠 Home Loan Options

Compare loan scenarios and find the best option for you

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Build a Scenario

I know the home price and want to see monthly payments and cash to close

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Find My Price

I know my budget and want to find my maximum purchase price

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Estimate Property Taxes

Look up estimated annual property taxes by zip code and purchase price

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Tax Impact Calculator

See how a purchase price and exemption changes could affect property taxes

πŸ›οΈ Property Tax Estimator

Estimate annual property taxes by zip code

πŸ“Š Tax Impact Calculator

Estimate how property taxes may change after purchase

Purchase & Current Property Info
Seller's Current Exemptions

Check all exemptions the current homeowner receives. These reduce the EAV before taxes are calculated.

Buyer's Exemptions

Check all exemptions the buyer will qualify for.

Loan Basics
Enter the basic details about the home and loan
Select Rate
Taxes, Insurance & Escrow
Enter amounts for your loan estimate
πŸ›οΈ Property Taxes β“˜
Estimated at 2.5% effective rate (editable)
πŸ›‘οΈ Homeowner's Insurance β“˜
Auto-filled from FICO & price estimate (editable)
πŸ“‹ Private Mortgage Insurance (PMI)
Based on LTV and FICO score
🌊 Flood Insurance & HOA
🏦 Escrow & Proration
Closing Costs
Apply a fee template or add fees individually
πŸ“‹ Fee Template
Applying a template replaces all current fees
πŸ’° Fees
No fees added yet. Apply a template or add fees manually.
Points APR
% of loan Β· negative = lender credit
%
🏷️ Credits
🏦 Reserves β“˜

Your Scenarios

Compare Another Scenario?
Add a different loan option to compare side-by-side

Apples To Apples Comparison

Select two scenarios to compare

Apples To Apples Comparison

Comparative Analysis

After 60 Payments
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Long-press slider to jump to a specific month
Metric Scenario 1 Scenario 2 Difference

This tool provides illustrative comparisons based on your inputs. Results are estimates only and do not represent loan offers or financial advice.

🏠 Your Loan Options

All figures and rate shown are for estimation purposes only and should not be construed as a Loan Estimate or commitment to lend. Subject to lender terms, conditions, and approval. Flat Branch Home Loans is a division of Flat Branch Mortgage, Inc. Equal Housing Lender, NMLS#224149.

πŸ’° Buying Power Calculator

Find your maximum purchase price based on your target payment

6.000%
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Loan Assistant
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