Mortgage Points Calculator

Determine if buying mortgage points makes sense for your situation.

Loan Details

Loan Amount

$

Rate Without Points

%

Rate With Points

%

Points Cost

%

Loan Term30 years

10 years30 years

Years You'll Stay7 years

1 years30 years

Recommendation

Our RecommendationBuy Points

Payment Comparison

Payment Without Points$1,896

Payment With Points$1,799

Monthly Savings$98

Cost Analysis

Points Cost$3,000

Break-Even Point31 months

Savings If You Stay$5,194