Mortgage calculator

Should I PayPoints?

Use this calculator to compare the cost of paying mortgage points against the potential monthly payment savings over time.

Estimate your points scenario

Adjust the fields below and review your estimated result.

Secure estimate

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Compare upfront costEstimate how paying points may affect your upfront closing costs.

Review monthly savingsUnderstand how a lower interest rate may impact your monthly mortgage payment.

Find the break-even pointUse the result to see whether paying points may make sense based on your timeline.

Calculator results are estimates and should be reviewed with a qualified mortgage professional.