This tool is for informational and comparison purposes only. It is not a Loan Estimate, Good Faith Estimate, or commitment to lend, and does not constitute a disclosure under Regulation Z (Truth in Lending Act). Estimated cash to close includes the down payment plus estimated closing costs of approximately 2%–5% of the loan amount; actual closing costs will vary based on lender, location, loan type, and transaction specifics and will be itemized on the official Loan Estimate. PMI rates are BPMI estimates based on standard tables and will vary by lender. FHA: 1.75% UFMIP + 0.55% annual MIP (30yr, standard balance); MIP does not cancel at 78% LTV for loans originated after June 3, 2013. VA: funding fee varies by use and down payment; exempt for qualifying disabled veterans. USDA: 1% upfront + 0.35% annual fee. APR must be entered manually from the official Loan Estimate issued by the lender. Actual rates, fees, and terms are subject to credit approval. Equal Housing Lender.