โ
FHA Loan Notice: FHA loans require owner-occupancy and cannot be used for pure rental/investment properties.
Investment properties typically require a conventional loan with 20โ25% down at a slightly higher rate. Always consult your lender.
Portfolio Summary
1 property ยท live calculations
Total Portfolio Value
$500,000
All properties
Total Down Payment
$100,000
Cash invested
Total Loan Amount
$400,000
Financed amount
Total Monthly PITI
$3,136
All-in monthly
Total Closing Costs
$10,012
All properties
Total Cash to Close
$110,012
Down pmt + closing
Total Equity (Yr 10)
$402,390
Base case appreciation
Total Lifetime Interest
$495,079
Over all loan terms
1
Total Monthly PITI
$3,136
Property & Loan Details
Purchase Price
$
Down Payment โ
%
Interest Rate โ
%
Loan Term
yrs
Loan Type
Additional Monthly Costs
PMI Rate โ
%
Property Tax Rate โ
%
Annual Insurance
$
HOA (Monthly)
$
Appreciation Scenarios (Annual %)
Conservative
%
Base Case
%
Optimistic
%
๐ฐ Closing Costs
Lender / Origination Fees
Origination Fee โ
% of loan
Funding Fee
$
Processing Fee
$
Tax Service Fee
$
Underwriting Fee
$
Appraisal Fee
$
Credit Report Fee
$
Flood Certification Fee
$
Endorsement 8-06 Fee
$
Title Company Fees
Closing Fee
$
Lender Title Insurance โ
% of loan
Title Co. Processing Fee
$
Homeowner Ins. Premium โ
% of loan
Escrow Prepaids
3-Month Escrow (Ins + Tax) โ
% of loan
Monthly Payment Breakdown
Principal & Interest
$2,486
P&I only
Property Tax
$500
Monthly est.
Insurance
$150
Monthly est.
Total Monthly PITI
$3,136
All-in payment
Loan Summary
Down Payment
$100,000
20.0% of price
Base Loan Amount
$400,000
No upfront MIP
LTV Ratio
80.0%
โ No PMI required
Total Financed
$400,000
Incl. UFMIP if FHA
Annual PITI
$37,636
Full year all-in
Total Interest Paid
$495,079
Over 30 years
Balance at Year 10
$337,732
Remaining loan
Equity at Year 10
$402,390
Base case appreciation
๐ฐ Closing Costs Summary
Lender / Origination Fees
$6,437
9 line items
Title Company Fees
$1,975
4 line items
Escrow Prepaids (3-mo)
$1,600
0.40% of loan
Total Cash to Close
$110,012
Down payment + all closing costs
Lender / Origination Fees
| Origination Fee (1% of loan) | $4,000 |
| Funding Fee | $175 |
| Processing Fee | $599 |
| Tax Service Fee | $80 |
| Underwriting Fee | $499 |
| Appraisal Fee | $650 |
| Credit Report Fee | $375 |
| Flood Certification Fee | $9 |
| Endorsement 8-06 Fee | $50 |
| Subtotal | $6,437 |
Title Company Fees
| Closing Fee | $125 |
| Lender Title Insurance (0.20% of loan) | $800 |
| Title Co. Processing Fee | $50 |
| Homeowner Ins. Premium (0.25% of loan) | $1,000 |
| Subtotal | $1,975 |
Escrow Prepaids
| 3-Month Escrow (Ins + Tax) | $1,600 |
| Subtotal | $1,600 |
Total Closing Costs
$10,012
Down Payment
$100,000
Total Cash to Close
$110,012
10-Year Property Value Projection
| Scenario | Ann. Growth | Value at Yr 10 | Total Gain ($) | Total Gain (%) | Equity at Yr 10 |
|---|---|---|---|---|---|
| Conservative | 3.0% | $671,958 | $171,958 | 34.4% | $334,226 |
| Base Case | 4.0% | $740,122 | $240,122 | 48.0% | $402,390 |
| Optimistic | 5.0% | $814,447 | $314,447 | 62.9% | $476,715 |
Visual Analysis
Property Value vs. Loan Balance Over Time
Conservative
Base Case
Optimistic
Balance
Monthly Cost Composition
P&I
$2,486
79%
Tax
$500
16%
Insurance
$150
5%
Total$3,136