Free Tool for Physicians

Should you get a
physician mortgage?

Compare 0% down payment doctor loans vs conventional mortgages in seconds. See your exact payment breakdown, PMI costs, and 30-year investment analysis.

Use the Calculator → See how it works

Why It Works

The numbers behind
the physician advantage

$
$312K+ Average net benefit at 7% return over 30 years vs conventional loan
%
0% Down payment required Keep your capital invested from day one
✕
$0 PMI — ever Save $99,000+ vs conventional over 11 years
↓
0.2% Physician default rate vs 1.2–4% for the general population

How It Works

Three inputs.
Instant clarity.

Our calculator runs the full 30-year comparison in real time — no signup, no email, no waiting.

1
Enter your home price

Set the purchase price, interest rate, loan term, and your property tax and insurance estimates. Defaults are pre-filled based on national averages.

2
See both loans side by side

The calculator instantly shows your physician mortgage vs conventional loan — monthly payments, PMI costs, total interest, and the year PMI finally drops off.

3
Check the 30-year investment analysis

See exactly what your preserved down payment grows to at 7% and 10% annual returns — and your true net benefit over the life of the loan.

The Case for Physician Loans

Why most early-career physicians
come out ahead

The math surprises most doctors. Despite costing slightly more in payments, a physician mortgage can leave you $312K–$804K better off over 30 years.

Run your numbers →
💰
Zero down payment
Keep $50,000+ liquid and invested. At 7% annual return, that capital grows to $380,000 over 30 years.
🚫
No PMI — ever
Conventional borrowers pay $752–$1,000/month in PMI for 11 years. Physician loans eliminate it entirely from day one.
📄
Employment contract accepted
Close before your first paycheck. Lenders accept signed contracts as proof of income — critical for new attendings.
🎓
Student debt treated fairly
Deferred loans excluded or counted at 0.5% of balance — so your $200K in student debt doesn't block your approval.

Free — No Signup Required

Ready to run your numbers?

See your exact monthly payment, PMI savings, and 30-year investment analysis in under two minutes.

Open the Calculator →