Chuck Donal

Chuck's Calculator

Chuck Donal • Philadelphia Mortgage

Chuck's AI-Powered Mortgage Calculator

Get instant payment estimates and closing costs for Pennsylvania & New Jersey properties

Real-Time Calculations
Local PA & NJ Tax Rates
Open House Ready

Property Details

$100,000

Philadelphia, PA

Monthly Payment

Your Total Monthly Payment

$0

All costs included

Principal & Interest
$0
Property Taxes
Homeowners Insurance
HOA Fees (Optional)

Annual Payment

$0

% of Purchase Price

0.0%

Pre-Approval Available

Loan Status Update

Contact us for pre-approval.

Ready to get pre-approved? Chuck can help you determine your buying power and get you approved quickly.

Next Steps

  • 1Contact Chuck to start your pre-approval process
  • 2Gather required financial documents
  • 3Schedule a consultation to discuss loan options
  • 4Get pre-approved to strengthen your offers

Interest Rate & Options

6.500%

Including all rate adjustments

$995 fee at closing
Monthly MI payments
0 points4 points

Rate Breakdown

Base Rate:6.500%
Final Rate:6.500%

Cash to Close

Total Cash Needed at Closing

$0

All fees, taxes, and prepaid amounts included

Required for most conventional loans, may be waived in some cases

Closing Cost Estimator

Chuck's Smart Estimate
Auto-Calculated (3% of purchase price)$15,000

Includes lender fees, title insurance, recording fees, and other typical closing costs

3.0%
Estimated Closing Costs$0

Added to your total cash needed at closing

Down Payment

Your initial equity investment

$0
Lender Fees

Underwriting and processing fees

$0
Credit Report

Required credit check fee

$0
AppraisalOptional

Professional property valuation

$0
Title & Settlement

Title insurance and closing services

$0
Prepaids

Prepaid insurance and property taxes

$0
Escrow Reserves

Funds held for future tax/insurance payments

$0
Transfer Tax

State and local transfer taxes

$0
Recording & Misc

Recording fees, inspection, survey

$0

Down Payment

$0

Closing Costs

$0

% of Purchase Price

0.0%

Generate Pre-Approval Letter

Your Pre-Approval Letter will include:

  • • Purchase Price: $500,000
  • • Loan Amount: $400,000
  • • Interest Rate: 6.5%
  • • Loan Type: CONVENTIONAL
  • • Monthly Payment (PITI): Calculated automatically
  • • Estimated Closing Costs: Calculated automatically

Professional Pre-Approval: This letter is generated from your mortgage calculator results and includes Chuck Donal's professional signature and Philadelphia Mortgage Company branding. Perfect for showing sellers you're a serious buyer.

AI Strategy Insights

Enter your loan details to receive personalized recommendations

Advanced Analysis

Accelerate My Mortgage

Pay every 2 weeks instead of monthly
$0$5,000

Interest Saved

$0

Years Saved

0.0

Payoff Timeline

Standard 30-Year
July 2025
Accelerated Payoff
July 2025

💡 Smart Prepayment Tips

• Apply any tax refunds, bonuses, or windfalls to principal

• Even an extra $100/month can save tens of thousands in interest

• Bi-weekly payments result in 26 payments (13 months) per year

• Consider prepayment vs. investing based on your rate vs. market returns

Ready to Accelerate Your Mortgage?

Chuck Donal can help structure your loan for maximum flexibility

What If Rates Drop?