IS PAYING POINTS WORTH IT

Mortgage Points
Calculator

Compare upfront discount-point costs, monthly payment savings, break-even timing, and estimated interest savings over the time you expect to keep the loan.

MORTGAGE POINTS CALCULATOR

Build Your Plan

01

LOAN ASSUMPTIONS

Build the Base Loan Scenario

$500,000
$50K$3M
%
Quick Select
02

POINTS STRATEGY

Model Cost, Rate Reduction & Holding Period

% per point
% of loan

The rate reduction per point is a user-selected planning assumption. Actual pricing varies by lender, market conditions, credit profile, occupancy, loan program, property type, lock period, and other factors.

ESTIMATED MONTHLY PAYMENT SAVINGS

$0
1.00 Point

Estimated principal-and-interest savings compared with the base-rate scenario.

Payment at Base Rate $0
Payment With Selected Points $0
Upfront Cost of Points $0
Rate After Points 0.00%
Estimated Break-Even —
Net Savings Over Hold Period $0

GOLDEN OAK INSIGHT

The estimated break-even occurs within the selected holding period.

Break-Even Achieved

The selected points may produce net savings if you keep the loan beyond the modeled break-even period.

BREAK-EVEN ANALYSIS

Upfront Cost vs. Monthly Savings

7-Year Holding Period
Total Monthly Savings Over Hold Period$0
Less: Upfront Point Cost-$0
Estimated Net Savings$0
Estimated Interest Savings$0

COMPARE POINT OPTIONS

See How Each Point Option Changes the Tradeoff

Each option uses the same loan amount, base planning rate, loan term, point cost, rate-reduction assumption, and holding period.

0 POINTS

$0/mo

Upfront Cost$0
Estimated Rate0.00%
Net Savings$0

0.50 POINTS

$0/mo

Upfront Cost$0
Estimated Rate0.00%
Net Savings$0

1.00 POINT

$0/mo

Upfront Cost$0
Estimated Rate0.00%
Net Savings$0

1.50 POINTS

$0/mo

Upfront Cost$0
Estimated Rate0.00%
Net Savings$0

2.00 POINTS

$0/mo

Upfront Cost$0
Estimated Rate0.00%
Net Savings$0

NEXT PLANNING TOOLS

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HELPFUL READING

Educational Resource

i

OFFICIAL RESOURCE

CFPB: Discount Points and Lender Credits

Review how points and lender credits can change the upfront cost and interest rate of a mortgage.

Open Official CFPB Resource →

YOUR PLAN DESERVES A PERSONAL REVIEW

Review Your Points Strategy With Golden Oak

A personalized mortgage review can compare lender credits, discount points, lock periods, monthly payment, APR, cash to close, and the time you expect to keep the loan.

Review Plan >

This planner provides estimates for educational purposes only and does not constitute a loan offer, approval, rate quote, pricing disclosure, APR calculation, savings guarantee, or commitment to lend. One discount point commonly equals 1% of the loan amount, but the interest-rate reduction associated with a point is not fixed and varies by lender, loan program, market conditions, credit profile, property, occupancy, lock period, and other factors. Actual costs, rates, payments, break-even periods, and savings may vary.