Loan scenario calculator

Payment, mortgage insurance, buydown schedules, and cash to close for a Southern California scenario.

Christian Arceo | Mortgage Consultant | NMLS 2137391 | 818.322.6028

Property ZIP

Saved scenarios

Name this scenario

Saved

Purchase and Financing

Purchase price

Down payment

Note rate (%)

Term

Property type

Representative score

Estimated closing date

Mortgage insurance borrower-paid monthly

Annual MI factor (%)

The auto factor is a rate-card estimate by LTV and score. Paste the exact factor from your MI quote before this goes to a client.

Taxes, Insurance and Dues

Property tax rate (% / yr)

Homeowners insurance ($/yr)

Mello-Roos / CFD ($/mo)

HOA ($/mo)

Temporary Buydown

Structure

Funded by

The subsidy is escrowed at closing and released monthly. Qualifying is always at the note rate.

Closing Costs buyer side, LA County customs

Escrow account

Lender fees

Origination

Underwriting

Processing

Appraisal

Credit, flood, MERS, tax service

Escrow

Escrow fee

Loan tie-in, docs, courier, wire

Title and recording

Lender's title policy

Sub-escrow, endorsements, messenger

Recording

Notary and signing

Other

Transaction coordinator / broker admin

HOA transfer and docs

Tax and HOA prorations

Prepaids and reserves

Prepaid interest

Homeowners insurance, 12 months

Tax reserves

Insurance reserves, 3 months

Aggregate adjustment credit

Credits

Seller credit

Lender credit

Earnest money already paid

Total closing costs and prepaids-

Down payment-

Estimated cash to close-

Escrow fee and title defaults are fitted to recent Southern California buyer settlement statements: escrow runs about $2.90 per $1,000 of price, the lender's policy about $581 plus $0.87 per $1,000 of loan. Overwrite either with your escrow officer's quote. Transfer tax is customarily the seller's charge in LA County and is not included.

Prepared by appears on the client summary

Christian Arceo, Mortgage Consultant

818.322.6028 | christian@homesmarthomeloans.com
NMLS 2137391 | CA-DFPI 2137391 | Corp NMLS 1866349

Property address

Scenario Notes

Open LendingPad

Build 2026-09-13b · if a published copy shows something different, re-publish it.
2026 figures: conforming floor $832,750, high-cost ceiling $1,249,125, FHA floor $541,287. FHA MIP per HUD ML 2023-05. VA funding fee unchanged for 2026. Tax rates are planning estimates by area. Confirm the parcel at the LA County Auditor TRA lookup.

Total monthly payment

Principal and interest-

Mortgage insurance-

Property taxes-

Homeowners insurance-

Mello-Roos-

HOA-

Payment at note rate-

Total housing cost-

Base loan amount-

Financed fee-

Total loan amount-

Loan to value-

Down payment-

Estimated cash to close-

MI ends-

Pre-approval package

Cover sheet and loan approval commitment

Borrowers

Borrower full name

Co-borrower full name

Cover sheet names

A shared last name gets combined automatically. Type here to override.

Dates and file

Issue date

Valid for (days)

File number

Loan terms

Loan program

Loan purpose

Occupancy

Property type

Automated underwriting result

Amounts

Maximum purchase price

Maximum loan amount

Down payment

Pulled from the scenario. Overwrite with any wording you want, such as 5% or $42,500.

Property

City and state on the cover

Property address on the letter

Enclosed in this package

Four items fill the cover grid evenly. More than four still prints.

Issued

Valid Through

Buyer Credentials

Pre-ApprovalPackage

A complete, lender-verified credit file, assembled so your listing agent and seller can move on this offer with confidence.

Prepared Exclusively For

Borrower Name

Enclosed In This Package

Christian Arceo

Senior Mortgage Consultant

NMLS 2137391 | DRE 02158459 | Corp NMLS 1866349

(818) 322-6028
christian@homesmarthomeloans.com
@chrismortgageloans

HomeSmart Home Loans

Loan Approval Commitment

HomeSmart Home Loans has reviewed the credit, income documentation, and assets of the borrowers named below, and has deemed the FICO scores, income, and assets satisfactory for a mortgage loan to be secured by real property.

Borrower(s)

Borrower Name

Maximum Purchase Price

Maximum Loan Amount

Down Payment

Loan Program

Loan Purpose

Property Type

Occupancy

Property Address

Automated Underwriting

This Loan Approval Conditional Commitment is valid for 60 days from the date of issue and expires -.

This Loan Approval Conditional Commitment is based on the applicant's credit and income information only. It is also subject to lender receipt of the full package, evaluation of collateral, title and escrow, verification of current assets, down payment, and final lender approval. Due to constant market changes, the interest rate quoted is not guaranteed and may increase or decrease accordingly. Any material or adverse change in the applicant's financial position or credit rating between the date of this conditional commitment and the date of closing may void this commitment. If any information provided to obtain this commitment is found to be inaccurate, this commitment becomes null and void immediately.

Christian Arceo

Senior Mortgage Consultant

NMLS 2137391
DRE 02158459
Corp NMLS 1866349
Direct (818) 322-6028

HomeSmart Home Loans · 1916 West Chapman Ave., Suite B, Orange, CA 92868

Equal Housing Opportunity

Loan scenario calculator

Saved scenarios

Purchase and Financing

Mortgage insurance borrower-paid monthly

FHA mortgage insurance

VA funding fee

Jumbo

Non-QM structure

Taxes, Insurance and Dues

Condo / HOA costs collected at closing

Temporary Buydown

Closing Costs buyer side, LA County customs

Buydown schedule