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Physician Mortgage Calculator
Compare a standard mortgage (Conventional) vs. a Physician Loan (Doctor Loan) to see the power of 0% down.
Loan Details
Rate Comparison
Physician loans often have slightly higher rates.
20%
Conventional Loan
Upfront Cash Needed (20%)
$150,000
Monthly Payment (P&I + PMI)
$3,792/mo
Physician Choice
Physician Loan
No PMIUpfront Cash Needed (0%)
$0$150,000
You save $150,000 upfront
Monthly Payment (P&I Only)
$4,864/mo
Analysis: While the Physician Loan rate is slightly higher (6.75% vs 6.5%), it allows you to keep $150,000 in your pocket today. This is often worth the extra monthly cost ($1072/mo) for residents and new attendings.