Compare Loan Options Side by Side
Use one purchase price to compare common conventional, FHA, VA, and USDA mortgage paths before you choose a direction.
Primary residence comparison using cached FRED / Optimal Blue index rates where available.
- Conventional
- FHA
- VA
- USDA
Run the Comparison
Change the purchase price in the calculator below. The estimates are educational only and should be reviewed against the borrower, property, and current market details.
One Price, Four Loan Paths
Use this as a starting point for the conversation. Taxes, homeowners insurance, HOA dues, closing costs, seller credits, points, reserves, and borrower-specific pricing are not included.
| Comparison Point | Conventional | FHA | VA | USDA |
|---|
*Current Average Rate references FRED / Optimal Blue Mortgage Market Indices for conventional/conforming loans (OBMMIC30YF), FHA (OBMMIFHA30YF), VA (OBMMIVA30YF), and USDA (OBMMIUSDA30YF). Last updated: loading...
This is educational only and is not a quote, approval, rate lock, or commitment to lend. Estimated total monthly payment excludes escrows, taxes, homeowners insurance, HOA dues, closing costs, seller credits, discount points, lender credits, prepaid items, and reserves. Program eligibility, payment, fees, rate, mortgage insurance, and cash-to-close depend on the complete borrower profile, property details, market conditions, and current guidelines.
How to Read the Comparison
The calculator is meant to frame the conversation, not replace underwriting. Use it to compare the same purchase price across common paths, then let AZM Lending review the full file before you treat any option as final.
Cash to Close
Down payment, upfront program fees, seller credits, reserves, and prepaid costs can change which path feels realistic.
Monthly Payment
Principal and interest are only part of the picture. Mortgage insurance, guarantee fees, taxes, insurance, and HOA dues still matter.
Property Fit
Occupancy, location, appraisal standards, property type, and program rules can make a good-looking option unavailable.
Use the Comparison, Then Price the Real Scenario
The best next step is to compare the calculator output against your credit profile, property, income, cash to close, timeline, and comfort level.