Compare monthly payments and lifetime cost across physician loans, conventional mortgages, and FHA financing — including PMI drop-off, MIP rules, and the opportunity cost of your down payment. All figures update as you type. Educational tool, not financial advice.
Shared by every loan scenario below.
Statewide average — override with your county's rate.
Used for the down-payment opportunity-cost analysis.
Applied to principal on every loan scenario below, starting month 1.
Taxes, insurance, and HOA continue for the full loan term regardless — only the loan itself pays off faster.
Rates are editable estimates — enter your actual lender quotes. Physician rates typically run 0.125–0.25% above conventional.
PMI applies under 20% down and drops automatically at 78% of original value.
Year-by-year detail per loan. Interest, principal, and mortgage insurance are annual totals.