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The figure on the left is your principal and interest only — what you owe the lender each month. Your real housing cost will include property tax, homeowners insurance, and (if applicable) mortgage insurance and HOA dues.
The total interest figure is often the most clarifying. It represents the cost of money over the life of the loan — and is the single largest argument for a shorter term, a larger down payment, or a sub-six rate.
These are estimates. Your actual offer will reflect your verified credit, income, reserves, and property type. We'll walk through every line in your pre-approval — no surprises.