Physician Loan Calculator

Physician loan payments look different from conventional payments for one big reason: no private mortgage insurance at any down payment. This calculator models our Enhanced Physician Loan Program tiers exactly — 100% financing up to $2,000,000 with a 720 credit score, 100% up to $1,500,000 with a 680 score, and 95% financing up to $2,000,000 with a 680 score — and puts the result next to a conventional loan with estimated PMI so you can see the true monthly difference at every down payment from zero to twenty percent. Drag the slider and watch where the math flips.

The Enhanced Physician Loan Program covers MD, DO, DDS, DMD, Doctor of Ophthalmology, Doctor of Psychiatry, PharmD, DVM/VMD, DPM, nurse practitioners (NPs), and CRNAs — including residents, fellows, and interns. You don't need to be an attending, and you can qualify on a signed employment contract with a start date up to 90 days out. Non-permanent resident aliens are eligible up to 95% financing.

Three numbers matter most. The monthly delta tells you what avoiding PMI is worth at your down payment — on a low-down loan it's frequently several hundred dollars a month. The reserves line tells you what has to be in the bank after closing: zero months on loans up to $1.5M at 95% LTV or below, which is dramatically lighter than typical jumbo requirements. And the tier readout tells you exactly which credit-score-and-loan-size box your scenario lands in, so there are no surprises in underwriting. When you're ready, the quote button sends us your exact scenario.