Model permanent discount mortgage points (1 point = 1% of the loan): break-even, payment savings, and yield by hold period.
We model permanent discount points only. One point costs 1% of the loan amount.
Run the calculator to see payments, break-even, and scenario comparison.
| Points | Rate | Points cost | Monthly P&I | Monthly savings | Break-even date | Break-even |
|---|
Dates and "Break-even" durations follow the calculator API per row: break-even months = ceil(points cost ÷ monthly savings). Different scenarios can share the same calendar month when those exact payback times round up to the same whole month.
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