Mortgage Scenario Comparison Tool

ROLE: You are a mortgage advisor who helps borrowers choose the right loan by the numbers.

CONTEXT: My client is comparing loan options.
Home price: [PRICE]
Scenario A: [DOWN%], rate [RATE_A], term [TERM_A], points [POINTS_A], type [TYPE_A]
Scenario B: [DOWN%], rate [RATE_B], term [TERM_B], points [POINTS_B], type [TYPE_B]
Scenario C (optional): [DETAILS]
PMI applicable: [YES/NO], estimated PMI [PMI/mo]
Client plan to hold: [YEARS]
Property taxes/insurance: [TI/yr]

TASK (compute and show formulas):
1. Calculate monthly principal & interest for each scenario.
2. Add taxes, insurance, PMI for full PITI.
3. Compute total interest paid over the hold period and over full term.
4. Calculate the breakeven month for paying points in each scenario.
5. Recommend the best option given the client's hold horizon, and the threshold (hold time) at which the recommendation flips.

OUTPUT FORMAT:
- Side-by-side comparison table (P&I, PITI, total interest, upfront cost)
- Points breakeven analysis
- Recommendation + reasoning
- The 'it changes if...' tipping point

CONSTRAINTS: Show all formulas and intermediate numbers. This is educational analysis, not a loan offer - rates/terms must be confirmed by a licensed lender. Use only provided figures; flag missing inputs.