USA Loan Utilities
Open each utility as a dedicated page with full user inputs.
Utilities
APR & True Cost
Estimate annual percentage rate (APR) and true borrowing cost by accounting for fees, points, and lender credits.
Cash to Close
Estimate down payment, prepaids, credits, and the final cash you still need to bring at closing.
PMI Utility
Estimate monthly PMI and cancellation milestones.
Escrow Utility
Estimate monthly escrow for taxes, insurance, and HOA.
ARM Reset Simulator
Simulate first reset timing, payment shock, and worst-case ARM paths using margin, index assumptions, and cap rules.
Accelerated Payments
Compare base payoff with extra monthly, biweekly, or lump-sum plans.
Recast vs Refinance vs Prepay
Compare these three strategies over your chosen holding horizon.
Points / Buydown
Analyze points, credits, break-even, and temporary buydown effect.
Affordability / DTI
Estimate safe payment capacity and implied loan size from debt-to-income (DTI) targets.
Payoff vs Invest
Compare net worth impact of prepaying debt versus investing extra cash.
Credit Sensitivity
Compare how stronger or weaker credit-linked APR tiers change monthly payment and lifetime borrowing cost.
Offer Compare
Rank multiple offers by payment, cost, or cash-to-close.