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Lynas Insights · The planning desk

Run your numbers.

A clearer picture of the payment. A better starting point for the conversation.

No account. No credit pull. Your inputs stay in this page unless you choose to save them.

ILLUSTRATIVE MONTHLY BUDGET—
See breakdown ↓
Mortgage planning inputs

Your assumptions

Fixed-rate purchase worksheet. These are illustrative starting figures, not offered loan terms. Replace them with your own assumptions.

Loan program
$
%
$22,500 down
%
Note rate, not APR. Not a live quote.
Base loan —Loan-to-value —
Taxes, insurance & local costs

Use costs for the property, not a county-wide default. A county selection in Resources never changes these figures.

$
Address-specific estimate required.
$
Use a property-specific insurance estimate.
$
$
PID or other charges not already in taxes.

Enter taxes after any verified exemptions. Include applicable taxing districts; do not count the same assessment twice. Find your local tax office (opens a new tab)

Mortgage insurance assumption
%
Editable placeholder, not a credit-based quote. Used above 80% LTV.

Cash to close & credits

The example includes a $12,000 budget for closing costs, prepaids and initial escrow deposits. Replace it with a documented estimate. Exclude the down payment and any upfront program fee modeled separately here.

$
$
$

Credit eligibility and program limits are not determined. Credits are not applied to your down payment.

Estimated monthly housing budget

—/ mo

First-year estimate · Not a loan quote

Principal & interest
—
Property taxes
—
Homeowners insurance
—
Mortgage insurance
—
HOA dues
—
Extra assessments
—
Cash still needed—

See the cash calculation
Down payment
—
Costs & prepaids
—
Program fee paid in cash
—
Applied credits
—
Earnest money paid
—
Financed loan amount—

Test a rate change

Planning, not a lending decision. This worksheet does not determine program eligibility, county loan limits, credit qualification, approval or an APR. The entered note rate and starting costs are examples, not offered terms. Taxes, insurance, mortgage insurance and other costs may change. Some housing expenses, including maintenance, utilities and any costs you have not entered, are excluded. Actual terms require a documented review by your lender. Not a Loan Estimate or a commitment to lend.
How the estimate works & official sources

Principal and interest use standard fixed-rate amortization, including a zero-interest case. The monthly total adds the costs you enter, whether paid through escrow or separately. Annual taxes and insurance are divided by twelve. Conventional PMI is your editable assumption and is not inferred from a credit score. At or below 80% LTV, this model assumes no borrower-paid monthly PMI.

FHA uses the published annual-MIP tiers and a first-year average scheduled balance with HUD rounding. VA fee assumptions depend on down payment, first/subsequent use and explicitly selected exemption status. USDA uses the fiscal-year-2026 fees and a first-year scheduled-balance estimate. These are planning calculations, not servicing schedules or eligibility checks.

Cash still needed = down payment + assumed closing costs/prepaids + program fees paid in cash − applicable entered credits − earnest money already paid, with a floor of zero. A zero result does not imply that a refund or zero-cash loan is available. General closing costs are a user-entered budget, not a title-rate or fee quote. This worksheet does not calculate temporary buydowns, predict rate pricing from points or credit scores, determine tax exemptions, or calculate APR.

HUD premium tiers (opens a new tab)HUD premium calculation (opens a new tab)VA funding fees (opens a new tab)USDA FY 2026 fees (opens a new tab)

Rule review: September 5, 2026. Published rules can change. These assumptions do not receive automatic rule or rate updates.

Numbers are a starting point.

The right structure starts with understanding the full picture.

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