Compare mortgage scenarios
Edit up to three scenarios. The summary table shows the absolute delta versus Scenario 1 for monthly P&I, total interest, and total paid. Green is lower (better), oxblood is higher. URL updates as you type so you can share the comparison.
Last updated 2026-05-13
MethodologyWhat's included in each scenario
What's included in each scenario
Each scenario uses the same closed-form amortization formula as the main calculator. Monthly P&I, total interest, and total paid figures reflect the loan only — they exclude property tax, insurance, HOA, and PMI from the comparison total, because those vary by setup more than by loan terms and would muddy a side-by-side reading.
Property tax (monthly estimate) and PMI rows are shown for completeness, but the delta rows compare only loan-side figures. PMI tier follows FNMA Form 4030 LTV bands — see the full methodology.
The delta convention treats “lower is better.” That's usually right for these three metrics, but consider: a lower monthly payment from a longer term comes at the cost of significantly more total interest. The deltas surface both trade-offs so you can pick which matters to your situation.
Scenario 1 is fixed as the baseline. To re-baseline, swap your numbers into Scenario 1.