SimpleOS Planning Rates

Explore rates, payments, and rate movement.

View posted planning rates, adjust your loan scenario, and understand how rate movement affects the estimated monthly payment before moving into cash-to-close planning.

These rates and payments are for educational planning purposes only. They are not a Loan Estimate, rate lock, approval, pre-approval, commitment to lend, or guarantee of financing. The rate and corresponding APR shown for each program are based on the example scenario described above and are not available to every borrower. Actual rate, APR, payment, fees, and terms depend on your credit profile, loan amount, down payment, occupancy, property type, property location, discount points, market conditions, underwriting, and other factors, and will vary from the example shown.
Estimated total monthly payment$3,443Conventional · 7.125% · $427,500 loan amount
Current Planning Rates

Posted mortgage planning rates

These planning rates are for educational planning only. Actual rates and payments may vary based on your full loan profile and market conditions.

Example scenario used to generate the posted rate and APR: $300,000 purchase price, single-family residence, primary residence, located in Lakeland, FL, 680 FICO credit score, and a 30-day rate lock. Loan program and down payment are shown separately for each rate above.

FHA6.25%
Updated 2026-07-28

7.094% APR

VA6.375%
Updated 2026-07-28

6.679% APR

USDA6.25%
Updated 2026-07-28

6.833% APR

Conventional7.125%
Updated 2026-07-28

7.260% APR

Non-QM7.25%
Updated 2026-07-28

7.413% APR

Payment Planning Workspace

Review your scenario

Down payment presets

5% down = $22,500

Loan amount$427,500Purchase price minus down payment
Current selected rate7.125%Posted Conventional planning rate: 7.125%

Payment difference vs posted rate: +$0/month

We added planning defaults so your estimate is not missing taxes or insurance. Edit these if you know the actual numbers.

Payment Output

$3,443

Principal & Interest
$2,880
Estimated Taxes
$413
Estimated Insurance
$150
HOA
$0
Estimated Mortgage Insurance
$0
Estimated loan amount
$427,500
Selected rate
7.125%
Down payment
5% / $22,500