Mortgage Points Break-Even Calculator
Find the month when discount points pay for themselves through a lower mortgage payment.
Break-even
3 yr 4 mo
Oct 2029 at current month
Monthly savings
$99
0.375% rate reduction
Point economics
- Upfront point cost
- $4,000
- Payment without points
- $2,594
- Payment with points
- $2,495
- Savings over full term
- $31,609