Mortgage points break-even calculator
Compare the cost of discount points with monthly principal-and-interest savings.
Your estimate
Assumptions and limits
One point is 1% of the loan amount. Simple break-even ignores tax effects, investment returns and remaining-balance differences. The lower rate must be provided by a lender.
Dollar amounts use USD. Values are rounded for display. Use figures from your lender and property records; these results are not a loan offer or financial advice.
How the calculation works
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