A clearer path to homeownership.
What changes when
the deal changes?
Deal Change Impact Simulator
Compare your original purchase with revised terms. See what changes in your loan, cash at closing, and money left over.
No account. No uploads. Your numbers stay in this page’s memory.
Preparing your private comparison…
A focused planning comparison
One U.S. purchase in dollars, with a fully amortizing fixed-rate loan and monthly payments. The rate and term stay the same in both scenarios. Actual pricing, eligibility, mortgage insurance and required reserves may change when the deal changes; ask your lender to confirm.
Closing costs must be a gross estimate before seller credits, earnest money or fees already paid. Include lender and settlement fees, prepaids and initial escrow. Financed fees, other loans, assistance, lender credits, prorations and refunds are outside this model. This is not a Loan Estimate, Closing Disclosure, approval or wiring amount.
Need to compare lender paperwork? Use Compare Loan Estimates. Considering an offered concession? Use Seller credit vs. price cut. For payment timing, use the Offer-to-Keys Cash Timeline.
Learn more: CFPB’s Closing Disclosure explainer and Fannie Mae’s seller-contribution rules. Limits depend on the loan program, occupancy, loan-to-value ratio, appraisal and eligible costs. This tool does not determine eligibility or calculate program caps.