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Guides for this decision
Understand the assumptions
Calculator defaults are illustrative inputs, not current rate offers. FHA premium tiers, county borrowing limits, and VA funding-fee rules are different checks. The fixed equity-loan comparison does not model a variable-rate HELOC. Review the assumptions and exclusions shown with the selected tool.
- HUD: FHA mortgage insurance premium structure ↗
- VA: Funding fees and exemptions ↗
- CFPB: PMI cancellation ↗
Deterministic formulas calculate the figures. All default rates and costs are illustrative, not market pricing. Loan amounts use price less down payment plus any modeled financed program fee. Monthly payment uses standard amortization; taxes, insurance, HOA, and applicable mortgage insurance are separate.
FHA and VA fee assumptions are editable illustrations, not eligibility checks or current loan-limit determinations. Conventional mortgage insurance requires an actual quote and conditional cancellation assumptions. Investments can lose value. No refinance, appreciation, program eligibility, or approval is promised.
Review program details with HUD, VA, and your lender. These tools are educational—not a Loan Estimate or financial, tax, or investment advice.
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