A $2,015 Difference in Monthly Payments Deserves a Conversation
Oct 12
1 min read
A $2,015 Difference in Monthly Payments Deserves a Conversation
A $2,015 difference in monthly payments deserves a conversation before a buyer walks away.
Here's a real scenario I'm seeing:
$1.5M home purchase
40% down → $900,000 loan amount
Option A: 30-year fixed at 7.25%
→ ~$6,140/month principal & interest
Option B: First-lien HELOC at 5.50% (interest-only)
→ ~$4,125/month
That's a $2,015/month difference.
The HELOC isn't for everyone — it's variable, interest-only, and requires discipline.
But for the right buyer — strong cash flow, planning to pay down principal aggressively, or expecting a future refinance — it can be a strategic bridge.
Before walking away from a deal over monthly payment, it's worth comparing all available structures.
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