Mortgage Points Calculator
Mortgage Points Calculator
Decide between buying points or a bigger down payment.
What This Number Means
This comparison is only one part of the decision. Before you buy points, consider:
Whether buying points saves more than a bigger down payment
How long it takes to recoup the cost of points
How much the points lower your monthly payment
Whether your time in the home justifies buying points
Which option leaves you better off over your expected timeline
How to Use This Calculator
1
Enter the loan amount and rate: Input your mortgage amount and the rate without points.
2
Add the points cost and rate reduction: Enter the cost of points and the resulting rate reduction.
3
Include your expected time in the home: Enter how long you plan to stay in the property.
4
Review the comparison: See whether buying points or a bigger down payment saves more.
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