diff --git a/components/new/new.vue b/components/new/new.vue
index 5b0273c..702385f 100644
--- a/components/new/new.vue
+++ b/components/new/new.vue
@@ -5,7 +5,7 @@
 
 <section class="loans-list">
 
-<h3 v-for="(l, indx) in loans"
+<h3 v-for="(l, indx) in estimate.loans"
 :class="sel == indx ? 'sel' : ''"
 @click="() => sel = indx"
 >
@@ -46,14 +46,14 @@ class="bi bi-plus" viewBox="0 0 16 16"> <path d="M8 4a.5.5 0 0 1 .5.5v3h3a.5.5 0
   @update:dti="setDti"
   @update:hoi="(hoi) => loan.hoi = Math.round(hoi*100)"
   @update:interest="(i) => loan.interest = i"
-  @update:interestDays="(d) => loans[sel].interestDays = d"
-  @update:hazardEscrow="(h) => loans[sel].hazardEscrow = h"
+  @update:interestDays="(d) => estimate.loans[sel].interestDays = d"
+  @update:hazardEscrow="(h) => estimate.loans[sel].hazardEscrow = h"
   @update:hazard="(h) => loan.hazard = Math.round(h * 100)"
-  @update:taxEscrow="(t) => loans[sel].taxEscrow = t"
+  @update:taxEscrow="(t) => estimate.loans[sel].taxEscrow = t"
   @update:tax="(t) => loan.tax = Math.round(t*100)"
   @update:manualMI="perc => loan.mi.rate = perc"
   @toggle:manualMIMonthly=
-  "() => loans[sel].mi.monthly = !loans[sel].mi.monthly"
+  "() => estimate.loans[sel].mi.monthly = !estimate.loans[sel].mi.monthly"
   @continue="generate"
 />
 <loan-summary v-if="hash == '#new/summary'"
@@ -130,10 +130,10 @@ function createFees() {
 
 
 function del() {
-	if (this.loans.length > 1) {
+	if (this.estimate.loans.length > 1) {
 		let x = this.sel
 		this.sel = 0
-		this.loans.splice(x, 1)
+		this.estimate.loans.splice(x, 1)
 	}
 }
 
@@ -176,7 +176,7 @@ function setAmount(e) {
 
 function setDti(e) {
 	let dti = strip(e)
-	let loan = this.loans[this.sel]
+	let loan = this.estimate.loans[this.sel]
 	if (!loan.price) return
 
 	if (dti > 100) dti = 100
@@ -188,7 +188,7 @@ function setDti(e) {
 
 function setHousingDti(e) {
 	let housingDti = strip(e)
-	let loan = this.loans[this.sel]
+	let loan = this.estimate.loans[this.sel]
 	if (!loan.price) return
 
 	if (housingDti > 100) housingDti = 100
@@ -238,7 +238,6 @@ export default {
 	data() {
 		return {
 				estimate: estimate,
-				loans: estimate.loans,
 				sel: 0,
 				errors: [],
 				hash: window.location.hash
diff --git a/components/new/summary.vue b/components/new/summary.vue
index 0e26aea..cd00dee 100644
--- a/components/new/summary.vue
+++ b/components/new/summary.vue
@@ -22,7 +22,7 @@ Credits: ${{format(loan.result.totalCredits)}}
 </label>
 <label>Down payment: ${{format(downpayment)}}</label>
 <label v-if="!loan.mi.monthly">
-    Mortgage insurance: ${{format(loan.amount*loan.mi.rate/100)}}
+    Mortgage insurance: ${{format(loan.mi.upfront)}}
 </label>
 </section>
 
diff --git a/skouter.go b/skouter.go
index 3e0400f..8f0ec03 100644
--- a/skouter.go
+++ b/skouter.go
@@ -270,7 +270,7 @@ func cachePdf(name string) Page {
 	
 	// For calculating down payments
 	diff := func(a, b int) string {
-		return strconv.FormatFloat(float64(b - a)/100, 'f', 2, 32)
+		return humanize.Commaf(float64(b - a)/100)
 	}
 	
 	sortFees := func(ftype string, fees []Fee) []Fee {
@@ -341,6 +341,8 @@ func (estimate *Estimate) makeResults() []Result {
 		if loan.Mi.Monthly {
 			result.TotalMonthly = result.TotalMonthly +
 			int(loan.Mi.Rate/100/12*float32(loan.Amount))
+		} else {
+			loan.Mi.Upfront = int(loan.Mi.Rate/100*float32(loan.Amount))
 		}
 		
 		for i := range loan.Fees {
diff --git a/views/report/comparison.tpl b/views/report/comparison.tpl
index 676d9c0..0777e03 100644
--- a/views/report/comparison.tpl
+++ b/views/report/comparison.tpl
@@ -30,11 +30,11 @@
 <tr><td>Loan amount</td>
 {{range .Estimate.Loans}}<td>${{dollars .Amount}}</td>{{end}}</tr>
 <tr><td>Down payment</td>
-{{range .Estimate.Loans}}<td>${{diff .Amount $.Estimate.Price}}</td>{{end}}</tr>
+{{range .Estimate.Loans}}<td>${{diff .Amount $.Estimate.Price }}</td>{{end}}</tr>
 <tr><td>Closing costs</td>
 {{range .Estimate.Loans}}<td>${{dollars .Result.TotalFees}}</td>{{end}}</tr>
 <tr><td>MI Premium</td>
-  {{range .Estimate.Loans}}<td>${{.Mi.Upfront}}</td>{{end}}</tr>
+  {{range .Estimate.Loans}}<td>${{dollars .Mi.Upfront}}</td>{{end}}</tr>
 <tr><td>Credits</td>
   {{range .Estimate.Loans}}<td>${{dollars .Result.TotalCredits}}</td>{{end}}</tr>
 <tr class="total"><td>Cash to close</td>