Structr | MLO Calculator

📋 Loan Details

🏠 Pull from MLS (optional)

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Price auto-filled into calculator ↓

★ Purchase Price *

★ Down Payment %

★ Down Payment $

★ Credit Score

★ Interest Rate (%) *

Current market ~6.5–7% for 30yr fixed

📊 Your Numbers

🏠

Enter price, down payment, and rate to calculate your payment and cash to close.

🎚️ Structure Levers

Adjust credits, taxes, prepaids & more

Monthly Income

Monthly Debts

Cars, cards, loans (min pmts)

💰 Credits & Cash

Seller Credit ($)

Max IPC (seller + lender): varies by loan type

Lender Credit ($)

Trade ~0.25% higher rate for credit

Additional Cash to Close ($)

For buydown, SPMI, or debt payoff

🏠 Monthly Add-ons

HOA Dues ($/mo)

Add'l Ins ($/mo)

Flood, fire, etc.

MI Override (% annual)

⚙️ Tax & Insurance

Property Tax (%/yr)

Hazard Ins (%/yr)

📉 Temporary Buydown

Buydown Type

📋 Existing Loan

From Loan Type

Appraised Value *

Max loan = 97.75% of appraised value

First Lien Payoff *

Months Owned

<12 mo → LTV cap 85%

PM 2nd Mortgage

Original purchase only

Junior Liens >12mo

Occupancy

✨ New FHA Loan

New Rate (%) *

New Term

Credit Score

Monthly Income ($)

Monthly Debts ($)

💰 Closing Costs

Loan Fee (%)

Lender Credit (%)

Underwriting ($)

Appraisal ($)

Title & Escrow ($)

Other Fees ($)

Recording ($)

Discount Points ($)

📅 Prepaids

Int. Days

Tax Months

Ins Months

MIP Months

Tax (%/yr)

Ins (%/yr)

📊 Results

📋

FHA Rate & Term — Conv→FHA or FHA→FHA. Full appraisal. Max LTV 97.75%. Credit qualifying required.

📐 Existing FHA Loan

FHA→FHA Only Appraisal Required Costs Financeable Max 97.75% LTV

Current Payoff Balance *

Current Rate (%)

Remaining Term (mos)

Current P&I ($/mo)

Leave blank to auto-calc

Existing MIP Rate

💚 Original FHA — MIP Refund

Orig Loan Amount

Orig UFMIP Paid

Endorsement Month

Endorsement Year

✨ New Streamline Terms

New Appraised Value *

Closing costs can be financed up to 97.75% of this

New Rate (%) *

New Term

Qualifying Type

Credit qualifying required if pmt increases >20% or co-borrower removed

Monthly Income ($)

Monthly Debts ($)

💰 Closing Costs (Financeable to 97.75%)

Loan Fee (%)

Lender Credit (%)

Appraisal ($)

Underwriting ($)

Title & Escrow ($)

Other Fees ($)

Recording ($)

Discount Pts ($)

Int. Days

Tax Months

Ins Months

Tax (%/yr)

Ins (%/yr)

📊 Results

📐

FHA Streamline WITH Appraisal — closing costs CAN be financed up to 97.75% LTV. NTB: combined rate+MIP drop ≥0.50%.

⚡ Existing FHA Loan

FHA→FHA Only No Appraisal NO Cost Roll-In No LTV Limit

⚠️ HUD: Closing costs CANNOT be added to the loan. Must be paid outside closing or covered by lender credit (premium pricing).

Current Payoff Balance *

This IS the new base loan — nothing can be added

Current Rate (%)

Remaining Term (mos)

Current P&I ($/mo)

Existing MIP Rate

⏱️ Seasoning

First Payment Due Date

Must be 210+ days ago & 6+ consecutive payments

💚 Original FHA — MIP Refund

Orig Loan Amount

Orig UFMIP Paid

Endorsement Month

Endorsement Year

✨ New Streamline Terms

New Rate (%) *

New Term

Qualifying Type

💰 Closing Costs — Paid Outside (POC)

Cannot be rolled in. Use lender credit to cover if needed.

Underwriting ($)

Title & Escrow ($)

Other Fees ($)

Recording ($)

Lender Credit ($)

Premium pricing covers costs

Prepaid Int. Days

Tax (%/yr)

Ins (%/yr)

📊 Monthly (for comparison)

Tax ($/mo)

Ins ($/mo)

📊 Results

⚡

FHA Streamline NO Appraisal — no LTV limit, works underwater. Closing costs CANNOT be financed. New loan = payoff only.

⭐ Existing VA Loan

VA Loan Only 0.5% Funding Fee 36-Mo Recoupment No Cash-Out

Current Payoff Balance *

Current Rate (%)

Remaining Term (mos)

Current P&I ($/mo)

Leave blank to auto-calc

Current Loan Type

⏱️ Seasoning

First Payment Due Date

Must be 210+ days ago & 6+ consecutive payments

Monthly Tax ($/mo)

Hazard Ins ($/mo)

✨ New VA IRRRL

New Rate (%) *

New Term

New Loan Type

VA Funding Fee

⚠️ Fixed→Fixed: must drop ≥0.50%. 36-mo recoupment required. Max 2 discount points. No cash-out.

💰 Closing Costs

Title & Escrow ($)

Underwriting ($)

Other Fees ($)

Recording ($)

Lender Credit ($)

Prepaid Int. Days

Discount Points ($)

Max 2 points may be financed into IRRRL

📊 Results

⭐

VA IRRRL — 0.5% funding fee financeable. 0.5% rate drop required (fixed→fixed). 36-month recoupment test on statutory fees.

🏠 Current Loan Info

Conv Refi Rate & Term or Cash-Out Full Qualifying

Current Loan Balance ($) *

Current Interest Rate (%)

Current Monthly P&I ($)

Remaining Term (months)

Current Loan Type

✨ New Loan Terms

New Interest Rate (%) *

New Loan Term

Refi Type

Estimated Property Value ($) *

Used to calculate LTV and PMI requirement

Credit Score

Occupancy

📊 Results

🏠

Conventional Refinance — Rate & Term (max 97% LTV) or Cash-Out (max 80% LTV primary). Full credit qualifying. Min 620 FICO. Seasoning: 6 months from purchase close.

Search for a property below

🏠 MLS Property Search ⌕

List Price

⚙️ Configure 3 Financing Scenarios

Scenario 1

Loan Type

Offer Price ($)

Down Payment (%)

Interest Rate (%)

Credit Score

Label (shows on flyer)

HOA Dues ($/mo)

Credits / Concessions

Seller Credit (%)

Lender Credit ($)

Scenario 2

Loan Type

Offer Price ($)

Down Payment (%)

Interest Rate (%)

Credit Score

Label (shows on flyer)

HOA Dues ($/mo)

Credits / Concessions

Seller Credit (%)

Lender Credit ($)

Scenario 3

Loan Type

Offer Price ($)

Down Payment (%)

Interest Rate (%)

Credit Score

VA Exempt?

Label (shows on flyer)

HOA Dues ($/mo)

Credits / Concessions

Seller Credit (%)

Lender Credit ($)

Configure scenario 1 and calculate

Configure scenario 2 and calculate

Configure scenario 3 and calculate

⚙️ Admin Settings

STRUCTR.PRO · CONFIGURATION

Admin Access

Enter your admin password to access configuration settings.

Incorrect password. Try again.

👤 MLO Identity

Full Name

NMLS #

DRE # (optional)

Company

Phone

Your Photo (headshot — appears on PDFs)

📷 Choose Photo

No photo selected

🤝 Agent Co-Brand (optional — leave blank to disable)

Agent Full Name

Title / Role

Brokerage

License # (DRE / CAL BRE)

Phone

Agent Photo (headshot — square crop best)

📷 Choose Photo

No photo selected

💰 Lender Fees

Origination (%)

Underwriting ($)

Processing ($)

Doc Prep ($)

Tax Service ($)

Flood Cert ($)

Verifications ($)

🏠 Third Party & Title Fees

Appraisal Conv ($)

Appraisal FHA ($)

Appraisal VA ($)

Credit Report ($)

Recording ($)

Notary ($)

🏦 Tax & Insurance Defaults

Property Tax (%/yr)

Hazard Insurance (%/yr)

📈 Interest Rate Defaults (%)

Auto-filled when MLO selects a loan type. Update daily as rates change. Polly integration coming soon.

Conventional

FHA

USDA

📅 Prepaid & Escrow Defaults

Prepaid Interest Days

Tax Escrow Months

Insurance Escrow Months

MI Escrow Months

📊 PMI Rate Table (≤$650K loans, %/yr)

Annual PMI rate as %. Rows = FICO tier, Columns = max LTV.

FICO	≤85%	≤90%	≤95%	≤97%

🔑 Approved LO Access (Master Only)

One NMLS number per line. LOs must enter their NMLS number at the gate. Only visible to master login.

Approved NMLS Numbers

Enter each NMLS number on its own line. Save Settings to update the approved list.

🔐 Change Admin Password

New Password

Confirm Password

Leave blank to keep current password. Min 6 characters.

✓ Settings saved — calculations updated.

📋 Loan Details

📊 Your Numbers

🎚️ Structure Levers

💵 Total Credits Available

📋 Existing Loan

✨ New FHA Loan

📊 Results

📐 Existing FHA Loan

✨ New Streamline Terms

📊 Results

⚡ Existing FHA Loan

✨ New Streamline Terms

📊 Results

⭐ Existing VA Loan

✨ New VA IRRRL

📊 Results

🏠 Current Loan Info

✨ New Loan Terms

📊 Results

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