Every LLPA adjustment traced to its published grid cell

Every LLPA adjustment stacked, cited to its exact grid cell, and summed — so you can verify the arithmetic yourself. No model, no estimate, no hidden lines.

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What this does

Enter a handful of loan characteristics — FICO band, LTV, purpose, occupancy, property type, loan amount, and lock period — and get back a stacked ledger showing how the base price became the final price. Every adjustment row names the grid it came from and the exact cell that matched.

The output is a ledger, not a number: "base 100.500; FICO 680–699 at 80.01–85% LTV −1.500; cash-out refinance −0.375; … = 96.250". Every row is checkable by anyone holding the same published grid.

How it works

  1. Enter your loan characteristics — FICO score (or band), LTV, purpose, occupancy, property type, loan amount band, and lock period.
  2. The calculator looks up each characteristic in the published Fannie Mae LLPA matrix and finds the exact adjustment cell.
  3. Adjustments are stacked per published order — FICO/LTV first, then purpose, occupancy, property type, loan amount, and lock period.
  4. Each adjustment is displayed as a line item with its grid reference and effective date. The total sums everything to a final price.

Sample output

Base price 100.500
FICO 680–699, LTV 80.01–85.00 −1.500
Cash-out refinance −0.375
Investment property −2.125
60-day lock period −0.250
Final price 96.250
Grid: Fannie Mae LLPA Matrix, effective 2025-04-01
Not a rate quote. This calculator shows how published LLPA grids affect a base price. It is not a loan quote, pre-approval, lock, or offer of credit. The grid data shown reflects the Fannie Mae LLPA Matrix effective 2025-04-01. Covers FICO/LTV, purpose, occupancy, property type, loan amount, and lock period adjustments only. It does not model ARM adjustments, DTI-based adjustments, credit-score-tier changes, or Freddie Mac grids. Grids are updated periodically by the GSEs; verify against the current published matrix before making decisions. No account, no login, and no saved data — every calculation is ephemeral.