Property Payment Estimator

Step 1 — Import loan terms (optional)

Upload your MISMO 3.4 file (.xml) From Encompass: export the 3.4 / ULAD file, then drop it here or click to browse. Loan amount, rate, term, price & loan type fill in automatically. You can edit anything after.

Loan terms

Purchase price ($)

Loan type

Down payment (%)

Down payment ($)

Loan amount ($)

LTV: 80%

Interest rate (%)

Term (years)

Occupancy

Monthly housing costs

Property tax (annual %)

Homeowners insurance (annual $)

HOA dues (monthly $)

Mortgage insurance (monthly $)

Auto-estimated by loan type & LTV — editable

Cash to close

Estimated closing costs (% of loan)

Title fees ($)

Seller credit ($)

Earnest money already paid ($)

FHA/VA/USDA upfront fees (MIP / funding / guarantee) are assumed financed into the loan, not added to cash to close.

Estimated monthly payment

Principal, interest, taxes, insurance & more

Monthly breakdown

Principal & interest$0
Property taxes$0
Homeowners insurance$0
Mortgage insurance$0
HOA dues$0
Total / month$0

Estimated cash to close

Down payment$0
Closing costs (est.)$0
Title fees$0
Less: seller credit$0
Less: earnest money paid$0
Cash needed at close$0

This is an estimate for informational purposes only and is not an offer, approval, or commitment to lend. Figures are based on the inputs above and assumptions that may differ from your final loan terms. Taxes, insurance, mortgage insurance, and closing costs are estimates and will vary. Interest rate is not locked unless confirmed in writing. Contact the loan officer above for a personalized, official Loan Estimate. Equal Housing Lender.