VA Concession Strategy
Is It Better to Pay Off
Debt Through the Loan?
Compare your base scenario against alternatives that use seller concessions, refi proceeds, or other strategies to eliminate debt โ and see the real monthly and long-term impact. Built for VA loans, FHA, conventional, and refinances.
โ All Calculators
Scenarios โ Option A is your base. Add more to compare.
Debts / Additional Obligations
โ = this scenario carries this debt | unchecked = eliminated
| Description | Monthly Pmt | Balance | Rate % | A | B |
|---|
Blended Interest Rate
Weighted average rate across the mortgage plus all continuing debts โ showing your true cost of money under each scenario. High-interest debt drags this up significantly.
Enter interest rates above to see blended rate comparison.
Enter a monthly payment for Option A to see results.
๐ง Email Report to Client
Generate a plain-language summary and open your email client with it pre-filled.