Mortgage Discount Points Calculator
Decide whether to buy down your mortgage rate with discount points.
Monthly savings
$133
Break-even
5.01 yr (60 mo)
Lifetime savings
$39,858
$/1% buy-down
$16,000
Buy down — break-even at 60.2 months is well before a likely move/sale.
Monthly base
$2,661
Monthly buy-down
$2,528
Interest saved (term)
$47,858
Net vs. points cost
$39,858
Estimates only — actual points cost varies by lender and is usually expressed as a percent of loan (1 point = 1% of loan). Talk to a loan officer before locking.
このツールについて
Type your loan amount, base rate, points rate (rate after discount points), points cost, and expected tenure. Get the monthly savings, break-even months, lifetime savings, and a yes/no verdict for typical holding windows (5/7/10 yrs). The r/Mortgages and r/personalfinance 'should I pay points' classic.
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