All-in-One Mortgage Calculator
Also called a sweep mortgage or first-lien HELOC
See how a first-lien sweep HELOC could lower your effective interest cost. Estimates only
An all-in-one or sweep mortgage links your checking account to your home loan. Idle cash sitting in your checking offsets your line balance, so interest only accrues on the net amount. The cash stays liquid. You can spend it tomorrow. But every day it sits there, it is silently reducing your interest cost.
This is different from a traditional mortgage in two ways. First, interest is calculated on the net balance daily, not on the full principal. Second, every dollar of payment that is not consumed by interest falls to principal, so the balance pays down faster as your cash flow rolls through the linked account.
The product is sometimes called Wealth Builder. It is an adjustable-rate first-lien HELOC. The rate can change, which is part of the honest tradeoff. The calculator below lets you plug in your own numbers, see the comparison, and judge whether the structure fits your situation.
Your Numbers
For illustration only. This is an adjustable-rate product; the actual rate adjusts monthly with SOFR. Not a rate offer.
Idle cash that sits in the linked checking account. The higher this average balance, the more interest the sweep offsets.
Extra principal directed to the line each month, on top of the equivalent traditional payment.
Estimated Comparison
Estimated Interest Saved
$283,090
over 30 years
Comparison assumes the same monthly principal-and-interest dollars are paid on both paths. On the sweep HELOC, the cash offset means a smaller share of each payment goes to interest, so more falls to principal and the line pays down faster. Savings scale directly with your average cash balance; low balances produce little to no benefit.
Want me to walk through this with you?
Optional. Your results are already shown above. If you would like me to run the full analysis on your specific numbers and talk through whether the structure fits, send your contact info and I will reach out within one business day.