The sample home on a first visit

Before you type a price, the screen shows a labeled example of a housing mix and a seven-year offer comparison. It is not your loan.

Why a sample is there

The first screen is the month, with two ways to start: a home or a car. The example shows what a full payment looks like when tax, insurance, PMI, and HOA sit beside principal and interest, and which of two sample offers costs less over seven years.

The example is marked as a sample. It uses fixed sample amounts, including a sample PMI line, so you can see the shape before you have a quote.

It does not become your home

Typing a home price is what adds housing to your month. Until then, the example is not saved as your mortgage and it is not one of your tiles.

Opening the calculator on a wide screen keeps the month beside the form. On a phone, the form follows the month. Either way, the example remains a sample until your own price exists.

Replace it by typing

Enter your price, down payment, rate, and the yearly bills. The payment mix and the PMI dates then belong to those inputs. The sample comparison is no longer the story on the page once you are looking at your own offers.

You can still read this guide later. The sample does not need to be cleared by hand.

This explains how WiseCalculator treats the numbers you type. It is not a lender’s offer and it is not advice for your loan.