STRATEGIC INTELLIGENCE. CONFIDENT DECISIONS.
A clearer view of home financing.
Explore the payment, the down payment, and the property value behind the loan. No email or phone number required. No lender referrals or sales lead form.
Your mortgage
Example rate; enter your quoted rate. Fixed-rate loan with monthly payments.
Enter your lender’s mortgage-insurance quote when applicable. Zero does not imply it is unnecessary.
Property valuation
Automatic Zillow valuation is not connected. Enter the value from the property’s listing or appraisal. ZIP-code market values describe an area, not an individual home.
Estimated monthly cost
The loan over time
Gold curve: remaining principal. Taxes, insurance and fees are held constant for this illustration.
Value and borrowing
For this purchase illustration, borrowing scenarios use the lower of purchase price and the entered property value. A Zestimate is not an appraisal. These calculations do not predict approval; the lender’s valuation, loan program and borrower qualifications determine eligibility.
If the valuation comes in lower
Compare the down payment needed at 85% and 90% loan-to-value as the entered property value changes.
| Value scenario | 85% loan | Cash toward price | 90% loan | Cash toward price |
|---|
Cash toward price excludes closing costs, prepaid expenses and reserves. Scenarios are calculations, not lending offers.