Inputs
Loan amounts are supported up to $10,000,000. Monthly payment in this calculator means principal and interest only and does not include taxes, insurance, HOA dues, or mortgage insurance.
Enter home price and down payment — loan amount fills in automatically.
See your numbers
Enter your name, email address, and phone number, then click submit to reveal the calculator results. A copy of the contact details and scenario summary will be prepared for Joe Shanley at joe.shanley@ccm.com.
Key results
These top-line fields answer the most common consumer question: what is the mortgage cost, what is the potential investment growth, and what opportunity cost may come from paying cash.
Monthly payment
—Total interest paid
—30-year investment value
—Estimated interest lost
—Cash buyer vs. financed buyer
This section makes the two paths more distinct so users can see what each buyer keeps, spends, and potentially builds over time.
Financed buyer
—Cash buyer
—Difference after 30 years
—Field explanations
Each result is explained in plain language for consumers.
Monthly payment
Monthly payment is principal and interest only as you will pay taxes, insurance, and HOA regardless of a mortgage.
Total interest paid
30-year investment value
Estimated interest lost
30-year growth paths
The chart shows financed-buyer investment growth, cash-buyer monthly P&I investing, home appraised value, and remaining mortgage balance.
Annual projection table
Results are displayed in one-year increments through year 30 and now include the cash buyer’s monthly investment account built from the financed buyer’s principal and interest payment.
| Year | Appraised value | Financed buyer investment | Cash buyer monthly P&I investment | Financed buyer mortgage balance | Total interest paid | Financed buyer net position | Cash buyer net position |
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