🏠 Property & Loan Information

Home Price ($): Down Payment (%): Loan Term (Years): 10 15 20 30 40 Loan Type: Conventional (4.5%) FHA (3.5%) VA (3.2%) USDA (3.4%) Jumbo (4.8%) Non-QM (5.5%) Credit Score: Property Tax Rate (% per Year): Homeowners Insurance Cost ($/Year): PMI (Private Mortgage Insurance) Rate (%): HOA Fees ($/Month, if applicable): Estimated Maintenance Cost (% of Home Value per Year): Closing Costs (% of Home Value): Escrow Fees ($): Title Insurance ($): Appraisal Fee ($): Home Inspection Fee ($): Recording Fees ($): Transfer Taxes ($): Prepaid Property Taxes (Months): Prepaid Homeowners Insurance (Months): Flood Insurance (if applicable) ($/Year): Notary Fees ($): Attorney Fees (if required) ($): Survey Fee (if required) ($): Rate Lock Fee ($): Underwriting Fee ($): Moving Costs ($): Emergency Fund for Home Repairs ($):

🏡 Homeownership Monthly & Annual Cost Analysis

Estimated Monthly Utility Costs ($): Monthly Internet & Cable Costs ($): Monthly Home Security Costs ($): Monthly Landscaping Costs ($): Annual Home Maintenance Reserve ($): Appliance Replacement Fund ($/Year): Future Renovation & Upgrade Fund ($/Year):

💰 Loan Assistance & Tax Incentives

Down Payment Assistance Amount ($): Federal First-Time Homebuyer Tax Credit ($): Mortgage Interest Deduction (%): Property Tax Deduction (%): State & Local Tax Deduction Limit ($):

📊 Financial Summary & Forecasting

🏠 Total Loan Amount:

💰 Monthly Mortgage Payment:

🏦 Total Closing Costs:

📈 Total Homeownership Costs Per Year: