Should I Buy Mortgage Points?
Compare mortgage offers with and without discount points. See your upfront cost, monthly payment savings, break-even timeline, and potential savings over your expected time in the home.
Enter Your Loan Details
Adjust the loan amount, interest rates, points, and how long you expect to keep the mortgage.
Your Results
Compare the cost of buying points with the payment savings over your expected holding period.
Estimated time for monthly payment savings to recover the upfront cost of discount points.
Interest Rate Comparison
Monthly Payment Comparison
Break-Even Analysis
Enter your loan details to see whether the estimated payment savings recover the cost of buying points within your expected holding period.
This calculator provides estimates for educational purposes only. One discount point typically costs 1% of the loan amount, but lender pricing and rate reductions vary. Calculations assume fixed-rate fully amortizing loans and exclude taxes, insurance, mortgage insurance, closing costs, and the time value of money. Interest savings are estimated using the remaining loan balances over the selected holding period. Actual lender quotes and loan terms may differ.
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