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.

⚙️ Admin Settings

STRUCTR.PRO · CONFIGURATION

Admin Access

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👤 MLO Identity

Full Name

NMLS #

DRE #

Company

Phone

💰 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)

📅 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%

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✓ 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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