Back to all calculators

Physician Mortgage Calculator

FREE

Compare physician loans vs conventional mortgages to optimize your home purchase

Real Estate & Major Purchases

Inputs

Enter your information

How It Works

1Enter home price and loan details
2Compare physician loan (0% down, no PMI) vs conventional
3See monthly payment breakdown and total savings
4Understand DTI and LTV ratios for qualification

Assumptions

•Physician loans: 0% down, no PMI required
•Conventional loans: PMI required if LTV > 80%
•Property taxes and insurance remain constant
•Fixed interest rates for entire loan term

⚡Pro Features

✓Multi-scenario comparison with varying down payments
✓Tax benefit analysis of mortgage interest deduction
✓Opportunity cost analysis of down payment investment

Results

Fill in the inputs to see your results

Enter your data to calculate

How This Calculator Works

1Enter home price and loan details
2Compare physician loan (0% down, no PMI) vs conventional
3See monthly payment breakdown and total savings
4Understand DTI and LTV ratios for qualification

⚡Unlock Pro Features

✓Multi-scenario comparison with varying down payments
✓Tax benefit analysis of mortgage interest deduction
✓Opportunity cost analysis of down payment investment

AI Curbside

Hi! I'm your AI financial advisor for physicians. Loading your personalized dashboard...

Powered by CopilotKit