FREE FINANCING WORKSHEET

Which loan fits your priorities
for the time you need it?

Compare fixed-rate offers with the same cash proceeds. See fees, payment changes, balloon obligations and debt still outstanding on the same date.

Which loan costs less over the same period?

Enter the same loan amount and comparison period, then each offer’s rate and term. Choose Compare these offers to see the result below.

Loan amount you receive ($)Use the same cash received for both loans. Any fees added to the debt belong in Advanced options.Compare after how many months?For example, 60 months means 5 years. Must be within both loan terms and any balloon date.

Offer AAnnual interest rate (%)Use the fixed interest rate written on the loan, rather than its advertised APR.Loan term (years)Total length of the loan. Optional interest-only months are included in this term.

Offer BAnnual interest rate (%)Use the fixed interest rate written on the loan, rather than its advertised APR.Loan term (years)Total length of the loan. Optional interest-only months are included in this term.

Basic comparison assumptions: fixed rates, regular principal-and-interest payments, and no loan fees, mortgage insurance, interest-only period or balloon. Add written offer terms in Advanced options to include them. A basic cost result is incomplete if your offers contain excluded charges.

Advanced optionsOptional offer fees, payment changes, mortgage insurance and a different comparison priority.

What do you want to compare first?The starting priority is lowest modeled financing cost. Monthly payment includes principal, interest and entered mortgage insurance; a balloon is separate.

Offer A: optional terms

Fees

Cash-paid points (% of starting note balance)Other loan fees paid in cash now ($)Loan fees added to the balance ($)Enter a quoted dollar amount. It increases debt without increasing your cash proceeds.Exit fees at the comparison date ($)Include the known prepayment charge, if any, for the date being compared.

Payment structure

Initial interest-only months (0 = none)Balloon due after this payment (0 = none)A balloon requires payoff. Your comparison date must be at or before that month.Monthly mortgage insurance ($; 0 = none)Months with that insurance charge (0 = none)Enter your own verified duration. This does not predict cancellation or eligibility.

Offer B: optional terms

Fees

Payment structure

The starting zero amounts exclude these charges and features from the scenario; they do not verify that your lender charges nothing. Replace them with quoted terms before comparing full costs. Enter fees once. Cash-paid points use the starting note balance, including financed fees. If points are financed, enter their quoted dollar amount under fees added to the balance and set cash-paid points to zero.

The note rate stays fixed. Interest-only months are part of the total term, followed by principal-and-interest payments over the months left. A balloon requires payoff after that month’s scheduled payment. Taxes, property insurance, HOA, variable-rate changes, daily-interest payoff adjustments and tax effects are excluded.

Put both offers on the same timeline.

Enter the six basic amounts and choose Compare these offers. Your payment and modeled cost comparison will appear here. Editing any input clears the previous result.

Save or reopen a planKeep editable inputs in this browser or download a file. No account needed.

Save a named scenario, then reopen it when your numbers or quote change. Plans contain your entered amounts, not verified offers or saved calculation results. Recalculate after loading.

Plan name

Open a OneDEAL plan file

Files and browser copies can contain financial details. This feature does not upload them or share them with lenders. Clearing browser data can erase browser copies.

Read the agreement, then use the numbers.

Compare eligibility, required reserves, recourse, prepayment clauses and whether the quoted rate is locked. Confirm the cash proceeds, whether each fee is financed, and the timing of any payment change. Monthly mortgage-insurance costs and duration are manual assumptions; this tool does not apply automatic cancellation rules.

Loan quote checklist Interest-only hard money costs How this comparison works