The Repayment Assistance Plan replaced SAVE on July 1, 2026. Enter your numbers to estimate your new monthly student loan payment — and see what it means for your mortgage approval.
Enter your income to see how your RAP payment translates into home buying power.
If your payment isn't documented when you apply, many lenders must fall back to 0.5–1% of your loan balance — often far worse than your actual RAP payment. Physician mortgage programs use your real documented payment, which is why getting your RAP amount in writing before applying matters.
Estimates only. RAP payments are calculated by your loan servicer from your adjusted gross income and dependents under the rules of P.L. 119-21, effective July 1, 2026: base payment of 1–10% of AGI by income tier ($10,001–$20,000 → 1%, rising 1% per $10,000 tier, 10% above $100,000; $120/year minimum below that), minus $50/month per dependent child, with a $10/month minimum. Buying-power figures assume a 30-year fixed mortgage at the selected rate and a constant debt-to-income limit; individual lender rules vary. MedPharmaConnect is an educational resource, not a lender; this is not financial advice. Verify your payment with your servicer and loan terms with a licensed mortgage professional.