Rate:
The interest rate applied to the loan balance. A lower rate may require higher upfront costs.

APR:
Annual Percentage Rate reflects the total cost of the loan, including certain fees, expressed as a yearly rate.

Total Invested :
Estimated total cash impact, including lender fees and closing costs. This allows side-by-side cost comparison.

Debt Payment:
Estimated total monthly housing payment, including principal, interest, mortgage insurance (if applicable).

Breakeven: 
The estimated time it takes for monthly savings to recover higher upfront costs compared to another option.

Color Highlights:
Colors identify cost relationships. They do not indicate approval, recommendation, or obligation.