Discount Points Scenario Report
Loan Inputs
Enter scenario criteria below to view quick changes.
Press Tab or Enter to quickly move from field to field.
Comparison
| Metric | No points | With points |
|---|---|---|
| Interest rate | - | - |
| Monthly P&I | - | - |
| Upfront cost | $0 | - |
| Total interest (full term) | - | - |
| Net savings over hold | - | |
| Net savings over full term | - | |
Break-even Timeline
Cumulative payment savings vs. upfront point cost. Drag the hold marker, or change Expected hold term, to explore different keep periods.
See how close you are to break-even. Move the hold slider to explore different keep periods — or edit Expected hold term above.
Cumulative payment savings versus upfront point cost for the scenario above.
- Cumulative savings (solid)
- Point cost (dashed)
- Expected hold (square)
- Break-even (dotted diamond)
Line chart comparing cumulative monthly savings to the upfront cost of discount points, with break-even and expected hold markers.
Enter points and a rate drop to see the break-even chart.
Keyboard: Click the Hold marker on the chart to focus it, then use Left/Right arrows (Shift for larger steps). You can also Tab to the marker, or edit Expected hold term above.
Disclaimer: The information provided via this calculator is intended for illustrative purposes for mortgage professionals only; accuracy is not guaranteed. Actual pricing and rate drops vary by product, lock, and investor pricing. Not financial, tax, or lending advice.