Free mortgage offer comparison template (U.S.)

Use this copy/paste template to compare lender offers with the numbers that actually matter: APR, monthly PITI, and total cash-to-close.

How to use

1. Request official Loan Estimate details from each lender.
2. Use the same home price and down payment assumptions in every row.
3. Run each offer in ProperCalc, then copy the results into this template.

Copy/paste comparison template

MORTGAGE OFFER COMPARISON (US)
Property price: $
Down payment: $
Target close date:

LENDER A
- Loan type (Conventional/FHA/VA/etc):
- Rate (%):
- APR (%):
- Term (years):
- Points / lender credits: $
- Estimated cash-to-close: $
- Monthly principal + interest: $
- Monthly property tax: $
- Monthly homeowners insurance: $
- Monthly PMI (if applicable): $
- Monthly HOA (if applicable): $
- Total monthly housing (PITI + PMI + HOA): $

LENDER B
- Loan type (Conventional/FHA/VA/etc):
- Rate (%):
- APR (%):
- Term (years):
- Points / lender credits: $
- Estimated cash-to-close: $
- Monthly principal + interest: $
- Monthly property tax: $
- Monthly homeowners insurance: $
- Monthly PMI (if applicable): $
- Monthly HOA (if applicable): $
- Total monthly housing (PITI + PMI + HOA): $

LENDER C
- Loan type (Conventional/FHA/VA/etc):
- Rate (%):
- APR (%):
- Term (years):
- Points / lender credits: $
- Estimated cash-to-close: $
- Monthly principal + interest: $
- Monthly property tax: $
- Monthly homeowners insurance: $
- Monthly PMI (if applicable): $
- Monthly HOA (if applicable): $
- Total monthly housing (PITI + PMI + HOA): $

STRESS TEST (+2% RATE SCENARIO)
- Lender A stressed monthly total: $
- Lender B stressed monthly total: $
- Lender C stressed monthly total: $

DECISION NOTES
- Lowest total monthly cost:
- Lowest cash-to-close:
- Best balance of payment stability + cash required:
- Red flags to clarify before locking:
      

Related pages

• First-time home buyer mortgage calculator
• How to compare mortgage offers (APR, PITI, cash-to-close)
• Home-buying closing cost worksheet (copy/paste)

Official resources (U.S.)

• CFPB – Owning a Home
• HUD – Buying a home

Educational only; not legal, tax, or financial advice.