VAZAG INVESTMENT ENGINE

Mortgage & amortization analyzer

Every field on a real mortgage — P&I, PMI with automatic drop-off, escrows, extra payments and a true month-by-month schedule.

Subscriber tool

Deal inputs

Property & loan

Purchase price ($)Down payment (%)Loan amount ($)Interest rate (% / yr)Loan term (years)First payment date

Prepayment & mortgage insurance

Extra principal / month ($)Mortgage insurance typeInsurance rate (% of loan / yr)…or fixed $ / month (overrides rate)PMI drops at LTV (%)…or remove PMI on date No mortgage insurance on this loan

Conventional PMI is only charged above 80% loan-to-value and drops once the balance reaches the drop LTV of the original price (or on the date you set). FHA MIP lasts 11 years with ≥10% down, otherwise the life of the loan. USDA’s annual fee runs for the life of the loan. Upfront fees (FHA UFMIP, VA/USDA funding fees) are not modeled.

Escrows (PITI)

Property tax ($ / yr)Homeowner insurance ($ / yr)HOA dues ($ / mo)

Monthly principal & interest

—

Monthly mortgage insurance

—

Full payment (PITI + HOA)

—

Payoff date

—

Total interest

—

Total mortgage insurance

—

Loan-to-value

—

Time saved by extra payments

—

Interest saved

—

Amortization schedule

#	Date	Payment	Extra	Principal	Interest	PMI/MIP	Escrow	Balance

Estimates for planning only — not financial, tax or legal advice. Actual loan terms, taxes, insurance and market results will differ.