Physician mortgage tools

Every calculator is stateless: inputs live in the query string so you can bookmark or share a permalink with a loan officer. No market rates are stated — only the numbers you enter.

Available tools

• Doctor loan vs conventional

  Compare monthly payment, cash to close, and DTI using your own down payment and rate assumptions.

• Student debt DTI impact

  See how including or excluding student loans changes debt-to-income before you add housing.

Payment math uses standard amortization formulas from the shared calculators package. Results are illustrative — closing costs, taxes, insurance, and lender overlays are not modeled here. After you run a scenario, bring the permalink to pre-approval so your loan officer sees the same inputs you used on this page.

How to use these tools in a lender meeting

Open the permalink on your phone or paste it into an email so the loan officer sees the same inputs you used. Replace placeholder rates with the quotes they give you and regenerate the permalink. The tools do not store data on a server — the URL is the save file.

What the tools do not model

Property taxes, homeowners insurance, HOA dues, mortgage insurance, and closing costs are excluded unless you fold them into the housing payment field on the DTI tool. Treat outputs as directional, not a closing disclosure.