ZMG Credit Enhancement Calculator

✏️ Loan Details

Loan Type

Conventional

Fannie Mae LLPA

FHA

Gov FICO/LTV Grid

No FICO LLPAs

USDA

Gov FICO/LTV Grid

Purchase Price

Down Payment 10% — $405,000 loan

3% 90% LTV 50%

PMI required · 90% LTV

Property Type

Credit Score Comparison

Current Score

660 — Fair

Goal Score

720 — Good

Planned Time in Home 7 years

1 yr Median: 7 yrs 30 yrs

Savings are calculated over this holding period. Break-even shows when score improvement starts paying off.

Estimates based on current market data. Not a commitment to lend.

Your savings will appear here

Fill in loan details on the left and click “Calculate Savings” to see your personalized credit enhancement analysis.

CONVENTIONAL LOAN | Fannie Mae LLPA Matrix, effective 01.28.2026

Total savings over 7 years: $0

+60 pts

Monthly Savings$0/mo

Rate Reduction0.00%

Closing Cost Savings$0

Break-Even Analysis · 7-Year Horizon

Break-Even Point0.0 yrs

Within Your Timeline?—

Monthly Cash-Flow Gain$0/mo

Move-in Break-even Planned sale

Full 30-Year Reference

Interest Savings$0

PMI Savings$0

Total (30 yrs)$0

Monthly Payment Breakdown

Field	Current Score	Goal Score
P&I	$0	$0
PMI	$0	$0
Total Monthly	$0	$0
Rate	0.00%	0.00%
LTV	0.0%	0.0%
LLPA	0.00%	0.00%

PMI rates composited from MGIC, Radian, Essent, Arch, and Enact public rate cards. Cancels at 80% LTV (HPA).

PMI Analysis

✓

PMI savings from score improvement

Fannie Mae LLPA Analysis

Current LLPA (Score 660): 2.75% of $405,000 loan → $11,138 upfront

Goal LLPA (Score 720): 1.25% of $405,000 loan → $5,063 upfront

Net LLPA Savings: $6,075 upfront

Source: Fannie Mae LLPA Matrix, effective 01.28.2026

Interest Rate Impact

Score 660

7.55%

Score 720

6.99%

Rate Reduction-0.56%

Annual Savings$0/yr

Base rate: 6.61% (best-execution 780+, Curinos/Experian June 2026). Rate adjustments via Fannie Mae LLPA grid at 0.375× conversion (8 bps rate per 0.125% LLPA — Freddie Mac/Fannie Mae seller guide convention).

For educational purposes only. Actual rates, fees, and terms vary by lender and market conditions. Not a commitment to lend.