Mortgage calculator summary

Your trusted. full-service mortgage company — dedicated to helping you make the best decisions about one of the biggest purchases of your life.

Jordan Campagna, Senior Loan Officer

Avanti Mortgage

Phone: (801) 633-0678

Email: [email protected]

NMLS# 1178630

Company NMLS# 1843923

Licensed in: UT, ID

Avanti Mortgage is a DBA of South Towne Mortgage, NMLS #1843923. All loans are subject to credit approval, acceptable appraisal, title review, and underwriting conditions. This is not a commitment to lend, and terms may change based on credit, income, employment, or program requirements. Equal Housing Lender. For licensing information, visit www.nmlsconsumeraccess.org

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  • FHA Loans
  • VA Loans
  • Conventional Loans
  • USDA Loans
  • Jumbo Loans
  • Team
  • Jordan Campagna — Chief Executive Officer
  • Felipe — President
  • Monica — Loan Officer Assistant & Loan Processor
  • Jody — Loan Processor & Loan Officer
  • Amber — Loan Officer Assistant
  • Angela — Underwriting Specialist
  • Dave — Loan Officer
  • Derick — Loan Officer
  • Hailey — Client Relations Manager
  • Martha — Loan Officer
  • Melanie — Mortgage Professional
  • Melissa — Loan Officer
  • Utu — Loan Officer
  • Mortgage Calculator
  • Grant Programs
  • Emily Knowles — Administrative Assistant
  • Preferred Vendors
  • Loan Options
  • Construction
  • Renovation
  • Reverse
  • Down Payment Assistance
  • Non-QM
  • Home Equity
  • No Income Verification

Mortgage Calculator

Mortgage calculator summary

Mortgage Calculator

Affordability Calculator

Payment Breakdown

Loan Composition

Payment Breakdown

Loan Composition

Cash to Close (Before Help)

Lifetime Cost Distribution

Cash-to-Close Assistance

Early Payoff Results

Program comparison

New Loan Breakdown

Lifetime Cost Distribution

With Extra Payments

Rent vs Buy

Ownership Cost Breakdown

Rent Cost Breakdown

-Year Cost Distribution

Debt-Service (DSCR)

Debt Service Breakdown

Expense Breakdown

Income Allocation

Loan Composition

Fix & Flip

Cost & Carry Breakdown

Funding Composition

Sale Proceeds Distribution

Want these numbers reviewed?

Ready to Take the Next Step?

Estimates only — not a commitment to lend. Avanti Mortgage / South Towne Mortgage NMLS #1843923.

Avanti Mortgage Tools

Pick a path, run your numbers, and send the scenario to our team for a personalized review.

Choose your path

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Estimate how much home you can comfortably support based on income, debts, and DTI guidelines.

Using % front-end / % back-end.

Reduces cash to close. Gift funds typically require a gift letter; seller credits are limited by loan program guidelines.

Toggle programs you may qualify for. Amounts use published caps for illustration — Avanti confirms eligibility and stacking rules.

Estimated subsidy cost ~ .

FirstHome path flagged — ask Jordan about current UHC FirstHome rates and stacking with DPA.

Estimates only. Program caps, income limits, home type, and lender overlays apply. See Grant Programs .

Extra payment is too low to cover interest — increase the amount.

Side-by-side Conventional, FHA, VA, and USDA with MIP / guarantee-fee / funding-fee math.

FHA includes 1.75% upfront MIP + annual MIP. USDA includes 1% guarantee fee + 0.35% annual fee. VA includes funding fee (no monthly MIP). Estimates only.

Compare your current payment to a new loan, including rolling closing costs and break-even timing.

Current loan

New loan

Weigh renting against owning over your horizon — including tax bracket, closing costs, and renters insurance.

Buying assumptions

Renting assumptions

Estimated over years (after tax benefit & equity).

Evaluate investment property cash flow, Cap Rate, Cash-on-Cash, and multi-unit expense breakdown.

Operating expenses

Cash flow is negative by /mo — debt service exceeds income after expenses.

Project all-in cost, loan-to-ARV, carrying costs, equity at sale, profit, and ROI.

Net proceeds are on these assumptions — sale may not clear the loan plus selling costs.

Thanks — we got your numbers.

An Avanti loan officer will follow up personally. This form notifies our team; it does not create an account or send an automated quote email.

Send your scenario to Avanti Mortgage. We will reach out with current options — no obligation.

Disclaimer

This calculator does not pre-qualify you for any loan program. Results are estimates for comparison only. Rates, taxes, insurance, PMI, MIP, funding fees, vacancy, rehab costs, and other figures can change without notice. Qualification depends on credit, income, reserves, property type, and underwriting — verify details with an Avanti Mortgage loan officer.

All loans are subject to credit approval, acceptable appraisal, title review, and underwriting conditions. This is not a commitment to lend.

These tools provide estimates. For an exact rate and personalized options, speak with one of our loan officers.

Your trusted, full-service mortgage company dedicated to helping you make the best decisions for one of the biggest purchases of your life.

Quick Links

Contact

[email protected]

801-981-5690

Company NMLS#

www.nmlsconsumeraccess.org

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