How are closing costs handled?

Closing costs are added to total repayment for each loan so you can compare all-in cash outlays in one view.

Can I compare different loan amounts?

Yes — each side has its own amount, rate, term, extras, and closing costs.

Is the lower rate always cheaper?

Not necessarily. Higher closing costs, a longer term, or different prepayment behavior can flip the all-in number — that's what the side-by-side comparison is for.

Mortgage Toolkit

Loan Comparison Calculator

Place two loans side by side with optional recurring extra payments and closing costs included in total cash outlay. Charts show payment and interest differences plus balance timelines.

Choosing between two loans

Lower rate is not always lower total cost — term length, fees, and prepayment behavior matter. Use extras and closing costs to approximate the all-in cash story, then validate with lender disclosures.

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Related tools

Each calculator works standalone, but they pair beautifully with the others in the toolkit.

Frequently asked

Frequently asked questions

The math is straightforward, but a few details trip people up. Here are the questions we answer most often.

Closing costs are added to total repayment for each loan so you can compare all-in cash outlays in one view.
Yes — each side has its own amount, rate, term, extras, and closing costs.
Not necessarily. Higher closing costs, a longer term, or different prepayment behavior can flip the all-in number — that's what the side-by-side comparison is for.

Loan Comparison Calculator

Choosing between two loans

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Frequently asked questions

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Frequently asked questions