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Quote assumptions and repayment terms

Illustration dated October 22, 2026, 2:04 PM. Conventional financing assumes an owner-occupied purchase by a first-time homebuyer with a 760 credit score. Program eligibility also requires annual qualifying income of $151,200 or less. This is not a commitment to lend. Approval is subject to borrower qualifications. Rates and terms are subject to change.

Loan and repayment terms

$659,000 purchase price; 5% down ($32,950); loan amount $626,050; 30-year fixed (360 months); interest rate 6.999%; APR 7.363%. This rate includes 1% discount points ($6,260.50), included in closing costs.

These scheduled amounts exclude property taxes and homeowners insurance, so your actual payment is higher. The initial $4,930.49 estimate includes $546.66 in property taxes and $120 in homeowners insurance, with $0 HOA dues. Taxes, insurance and mortgage-insurance costs can change.

Credits at closing

1. Wholesale Advantage credit. Available only on homes advertised on this website; other homes are not eligible for this offer. Up to 0.75% of the final loan amount, capped at $6,000. This example includes $4,695.38 toward eligible closing costs, applied at closing, not paid upfront.

2. Appraisal credit. Limited to the actual appraisal fee, up to $650. This example includes $650, applied at closing, not paid upfront. No appraisal fee means no appraisal credit, including when an appraisal waiver applies.

Other contributions and agent compensation

The seller or other interested-party contribution limit uses the lower of the purchase price or appraised value and cannot exceed actual eligible costs. No seller or agent contribution is offered or included; agreement and lender approval are required. Contribution guidelines.

The listing advertises 2.5% buyer-broker compensation. Any buyer-paid agent compensation is separate from, and not included in, the financing figures shown here.