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Day one · What is the whole payment, not just the loan part?

Monthly payment

Five layers, not one number. The loan is only the first of them, and on a lot of files it is not even the one that decides whether the payment works.

Every figure this page produces is illustrative. The rate you type is an assumption, not an offer; nothing here is a quote, an application or a commitment to lend. The assumptions in force are printed at the bottom of the page.

What you are working from

Below 20% on a conventional loan, mortgage insurance is charged until the balance reaches 78% of the original value.

You type this. It is a number you are testing, not one Plinth is offering.

An assumption. PMI is priced by the insurer against your credit and loan-to-value; FHA and USDA publish theirs.

Recalculates as you type. There is no submit button and nothing is sent.

Total monthly payment Illustrative

$0

On a $0 loan at 0% loan-to-value.$0 of cash goes down at closing before any settlement costs.

The five layers

A stacked column showing the share of the payment taken by each layer.

Principal & interestThe loan itself
$0
Property taxSet by your county, not by a lender
$0
Homeowner's insuranceYour policy, escrowed monthly
$0
HOA or condo duesNever part of the loan payment
$0
Mortgage insuranceThe layer that can stop
$0

Mortgage insurance stops at —

What the payment is made of, year by year

The loan part never changes. Everything else does — and on a conventional loan one of these layers disappears on a date the law fixes.

What the payment is made of, year by year
Show these numbers as a table

Balance and equity over the term

The balance falls slowly at first because the early payments are mostly interest. Equity here assumes no change in value at all, which no market ever does.

Balance and equity over the term

The assumptions in force

  • The rate is yours, not ours. Plinth publishes no rates. The figure in the box is an assumption you control, and every result moves with it.
  • Taxes and insurance are annual figures divided by twelve. Real escrow accounts run a cushion and are re-analysed each year, so the real monthly figure moves.
  • PMI is modelled against the original value. That is what the Homeowners Protection Act uses for automatic termination at 78%. Cancellation at 80% is on request and can also be based on a current appraisal, which this page does not model.
  • FHA and USDA insurance is modelled for the life of the loan unless you switch it off. FHA ends after eleven years at 10% or more down; use the FHA MIP calculator for that case.
  • Closing costs are not included in the cash figure. They are real, they vary by state and lender, and guessing them here would be inventing a number.
  • Nothing here is a quote, an offer, an application or a commitment to lend.

No obligation, and no transmission

Ask a person about this

A broker needs six things to say anything useful. This form asks for exactly those and nothing else — no date of birth, no Social Security number, no credit pull.

This form does not send anything. It validates what you type and then stops. Nothing is stored, nothing is transmitted, no cookie is set and nobody will call you. The demonstration is the point — on a real build one function call inLeadForm.astro would hand this to a CRM.

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