You've got a few numbers now. A monthly payment from a calculator. A cash figure. A rate. They don't line up, and you can't tell whether that means something's wrong or you've lost track of what each one is.
They're answers to different questions. Put a label on each one and the knot comes loose.
The payment answers what you carry every month
The monthly payment is the number you live with. Taxes and insurance may or may not be inside it, depending on who ran it, which is why two payments for the same house can look different. Ask what's inside before you compare them.
Cash to close answers what you bring on one day
This is the down payment plus the costs due at closing, less anything credited back. It's a one-time number. A plan can have a comfortable payment and still leave you short on the day you sign, or the reverse. The two numbers don't grade each other.
The rate answers neither on its own
A rate is an input. It changes the payment, but it isn't the payment. Holding onto a rate without the other two is like knowing the speed limit and not where you're going.
Put the three on one line
Write them side by side with a label on each: payment, cash to close, rate. Now look at which one worries you. It's usually one of the three, not all three, and that's a smaller question than "can I afford this."
If you only have one so far, the mortgage calculator can give you a payment to start the line. Leave the other two blank. Blank is fine.
One thing to do
Use Get In Touch and tell Jeff which number you're stuck on. Bring the other two if you have them, labeled, so he knows what he's looking at. He'll tell you which question each one answers for your situation and where the gap is.