Mortgage Points Calculator

Use this Mortgage Points Calculator to determine whether buying discount points makes financial sense based on your loan terms and time horizon.

HomeExpertly
www.homeexpertly.com
Mortgage Points Calculator
Should you pay for a lower interest rate? Calculate your break-even point to see how long it takes to recover the upfront cost of discount points.
Loan Options
$
years
Option A: No Points (Base)
%
The standard rate with $0 points cost.
Option B: Buying Points
%
$
Typically 1 point = 1% of loan amount ($4,000 on $400k).
Break-Even Analysis
Timeline to Recover Costs
Break-Even Period: —
(Or approx. 0 years)
Monthly Savings Breakdown
Payment (No Points)—
Payment (With Points)—
Monthly Savings—
Upfront Cost—
Visuals
Cost Recovery Timeline
5-Year Cost Comparison
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