Extra Payment – Calculator

Extra Payment

Compare payoff time and interest with monthly, bi-weekly, and lump-sum extra payments.

Remember my last inputs

Prepared for Start Date

Sales Price

Enter $0 if refinancing / existing mortgage; then Loan Amount will drive calculations.

Loan Program

Interest Rate % (APR)

Down Payment %

Defaults by program (Conv 3%, FHA 3.5%, USDA 0%, VA 0%).

Est. Escrow ($/mo)

Loan Term (years)

Loan Amount (auto)

Computed from program rules: FHA +1.75% UFMIP, USDA +1.00% guarantee fee, VA +2.15% funding fee (first use), Conventional = base. You can override.

Monthly Extra ($)

Enable Biweekly Strategy

Biweekly ≈ 1 extra full payment per year.

One-Time Lump Sum ($)

Lump Sum Month (1 = first)

Amortization Rows (max)

Realtor Information (optional)

Name

Company

Title

License #

Phone

Website

Headshot (upload or drop)

No file chosen

Tip: drag & drop an image onto this field.

Logo (upload or drop)

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Extra Payment

Prepared for

—

Prepared on

—

SALES PRICE

$—

DOWN $

$—

DOWN %

—

PROGRAM

—

RATE

—

TERM

—

LOAN AMOUNT

$—

EXTRA PAYMENT

—

TIME SAVED

—

vs baseline payoff

INTEREST SAVED

$—

Total lifetime

NEW PAYOFF DATE

—

Baseline: —

BASELINE INTEREST

$—

No extra payment

WITH EXTRA PAYMENT – INTEREST

$—

After extra payment(s)

TOTAL EXTRA PAYMENTS

$—

ROI vs interest: —

Annual Rollup (Principal / Interest / Balance)
Year	Principal (Extras)	Interest (Extras)	Interest Saved	End Balance

—

Eddie Rosales

Sun West Mortgage Company, Inc.

Branch Manager

NMLS # 247465

Phone: (562) 284-1040

Email: [email protected]

Website: eddierosales.com

Lender Logo

This illustration is for discussion purposes only and not a commitment to lend. Figures are estimates and subject to change. Consult your licensed loan officer for exact terms, eligibility, and disclosures appropriate to your state and program.