| Embrace Home Loans

Your Assumptions

Home Price

$250K$2M

Down Payment 30%

20%100% (Cash)

Down payment: $240,000

Mortgage Rate 6.500%

4%10%

Loan Term

Hypothetical Annual Investment Return 7.00%

Not guaranteed. Based on your assumptions only.

0%10%

Time Horizon 7 yrs

1 yr15 yrs

Disclaimer: This calculator is for educational purposes only and is not financial advice, investment advice, tax advice, a loan estimate, or a commitment to lend. Estimated mortgage payments include principal and interest only and do not include taxes, insurance, HOA dues, closing costs, or other housing expenses. Hypothetical investment growth is not guaranteed and may be higher or lower than shown. Speak with a licensed loan officer, financial advisor, or tax professional before making a decision.

Compare the Two Scenarios

Based on your current assumptions.

Scenario 1

Pay Cash

Cash used for purchase—

Monthly mortgage payment

Mortgage interest paid

Cash available to invest from financing strategy

Hypothetical investment gain—

ConsiderationMore cash is tied up in the home

Scenario 2

Finance Part of the Purchase

Down payment—

Loan amount—

Estimated monthly payment (P&I)—

Estimated interest paid —

Estimated loan costs (2% of loan) —

Cash kept available —

Hypothetical investment gain—

Potential net difference—

Want to compare this with your actual numbers?

A loan officer can walk you through cash vs. financing options based on your home price,
available cash, retirement goals, and timeline.