LIVE MORTGAGE SKETCH
P&I vs housing ↓Scenario presets
Optional: HOA dues, PMI estimate, or other fixed monthly housing add-ons
Updates live. P&I vs housing payment. Fixed-rate sketch - no points, credits, or ARM schedules.
Estimated housing payment
$2,992.66
P&I $2,417.66 · loan $382,500 after $42,500 down
PITI BUILD · P&I vs HOUSING
Principal & interest
Amortizing loan payment
$2,417.66
Property tax (monthly)
Annual ÷ 12
$425.00
Home insurance (monthly)
Annual ÷ 12
$150.00
HOA / other
As entered
$0.00
Accent share = P&I (81% of housing). Muted = tax, insurance, HOA. Lenders quote P&I; budgets live on the total.
TERM TRADEOFF · 15 VS 30 (SAME LOAN & RATE)
15-YEAR P&I
$3,331.99
Total interest $217,257
30-YEAR P&I
$2,417.66
Total interest $487,858
15-yr costs $914.33 more per month in P&I and saves about $270,600 in total interest vs 30-yr at this rate - cash-flow vs interest tradeoff, not a recommendation.
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