ONE HOME. ONE CLEAR WORKSHEET.

Negotiate the whole deal.

Adjust the purchase terms and enter your loan officer’s pricing. See the down payment, closing costs and monthly payment together.

The home purchase

Terms to negotiate with the seller

Asking price

Enter this home’s asking price. Changing it keeps the current percentage discount.Purchase price

0% off asking$0 price reduction

Down payment

% of price

$1,000,000 × 10% = $100,000Down payment · Loan amount $900,000

Seller concession

Seller contribution (% of price)

Requested $0 · Used toward costs $0. Never counted as down payment.

The home loan

Pricing provided by the originator

Interest rate

% note rate

7% is a sample input, not a quote. Changing points does not automatically change this rate.

Temporary payment buydown

Reduces the borrower’s payment for two years. The note rate and permanent discount points stay separate.

Lender credit / discount points

$0.00 no points or lender credit

$900,000 loan × 0%. Negative = credit; positive = points. Enter the matching interest rate above.

Fixed loan term

Estimated closing costs$8,876Review the full fee worksheet ↓

SLR starter estimates. Lender charges and $0 items still need review.

ALREADY INCLUDED IN YOUR TOTALS

Fee Worksheet

Edit fees, taxes, insurance, deposits and credit limits here.

$8,876

Editable starter amounts from the ShopLenderRates worksheet: appraisal $650, credit $150, title & settlement $1,500, flood $15, tax service $85, employment verification $75, recording $300. These are estimates, not local provider quotes. Replace $0 lender/program amounts and confirm all charges. No fees are financed in this worksheet.

Loan Costs

A. Origination Charges$0.00

Discount points (0% of loan)$0.00

Origination / broker charge

Processing

Underwriting

B. Services You Cannot Shop For$975.00

Appraisal

Credit report

Flood certificate

Tax service

Employment verification

Upfront program / mortgage insurance fee

C. Services You Can Shop For$1,500.00

Title & settlement

D. Total Loan Costs (A + B + C)$2,475.00

Other Costs

E. Taxes and Other Government Fees$300.00

Recording

Buyer transfer taxes

F. Prepaids$3,226.03

Prepaid interest days

Loan × rate ÷ 365 × days$1,726.03

Prepaid insurance months

Insurance premium$1,500.00

Prepaid taxes / buyer prorations

G. Initial Escrow Payment at Closing$2,875.00

Initial tax escrow months

Tax escrow$2,500.00

Initial insurance escrow months

Insurance escrow$375.00

H. Other$0.00

Other buyer cost

I. Total Other Costs (E + F + G + H)$6,401.03

J. Total Closing Costs$8,876.03

D + I: Costs before lender credit$8,876.03

− Lender credit applied$0.00

Seller credit is deducted separately below. Unused lender credit: $0.00.

Calculating Cash to Close

Total closing costs (J)$8,876.03

+ Down payment$100,000.00

− Seller credit applied$0.00

− Earnest money already paid$0.00

− Itemized costs already paid$0.00

Estimated cash still needed at closing$108,876.03

Monthly housing costs

Property taxes per year

Enter the property’s annual tax estimate. This amount stays fixed when the asking or purchase price changes.Homeowners insurance per month

HOA dues per month

Mortgage insurance per month

Originator input; not automatically priced or removed when down payment changes.

Deposits & credit limits

Earnest money already paid

Itemized costs already paid

Included in the fee rows, but paid before closing. Count once only.Costs not eligible for credits

Amount within the itemized total that the lender says credits cannot cover.Seller-credit limit assumptionAppraised value (0 = use price)

Modeled cap: 6% × $1,000,000 = $60,000. Actual usable credit also cannot exceed eligible costs after the lender credit. Confirm loan limits, program and other interested-party contributions; no second lien is modeled.

THE DEAL TO REVIEW TOGETHER

$1,000,000 purchase. $100,000 down.

Request $0 in seller concessions; $0 is usable in this worksheet. At the entered 7% rate, plan for $108,876 still needed at closing and $6,946.05 per month before mortgage insurance.

Seller price less usable credit: $1,000,000 before seller commissions, payoff, taxes and other costs. Not seller net proceeds. Asking price: $1,000,000. Purchase discount: 0% ($0); not instant equity or cash savings.

Email the PDF or request an introduction

FROM THE NUMBERS TO YOUR NEXT STEP

You’ve seen the numbers. Let’s put them to work.

Review your offer with Enrique Pelayo Jr to explore purchase terms, compare available loan options, and plan your next move. We’ll introduce you by email with your offer worksheet PDF attached.

Planning worksheet, not a loan quote, approval, appraisal or official Loan Estimate. Only a mortgage originator can confirm available rate/points/credit combinations. No automatic rate-to-points conversion is assumed. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

Credit assumptions: Fannie Mae seller contributions · Principal curtailment rules · Temporary buydowns. Reviewed September 19, 2026.