Liquidity vs. cost
Physician mortgage comparison calculator
Compare cash to close and monthly payment for a physician option and a conventional option using your own same-day assumptions.
Planning estimate
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How this estimate works
Compares 30-year principal and interest plus entered conventional PMI. It excludes taxes, insurance, closing-cost differences, reserve requirements and any physician-program pricing or eligibility not entered.
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Before you act on the result
This tool is educational and does not evaluate credit, income documentation, assets, reserves, property eligibility, program limits or current pricing. It is not an approval, rate quote, commitment to lend or Loan Estimate. Use current lender terms and verified property information for a real decision.
Frequently asked questions
Does this include every cost?
No. Add property taxes, insurance, closing-cost differences, reserves and any applicable association dues.
Why compare cash preserved?
Retained cash can support moving, emergencies, investments or debt strategy, but its value must be compared with any additional borrowing cost.
Does no PMI guarantee the better loan?
No. Compare same-day rates, total payment, cash and the expected years you will keep the mortgage.
Accuracy and licensing noteProgram details vary by borrower, property, location and date. Confirm current LMCU terms, property-state availability, licensing and eligibility before making a financing decision. All loans are subject to credit and property approval.
A clear next step
Your situation deserves more than a generic answer.
Talk through the numbers, timing and tradeoffs with Matt before you commit.