Loan Officer Tools · Discount Points Break-Even
Show when paying points could start paying back.
Compare the same loan with and without discount points, using the actual lender rates, point cost, and borrower timeline.
Step 1 of 2
Enter the two pricing options
Points are lender-specific. Use quotes with the same program, loan amount, lock period, and assumptions.
Shared loan
No-points option
Enter 0 if none.
Points option
Enter the dollar charge, not a point percentage.
Illustration only—not a Loan Estimate or pricing commitment. Points and lender credits can vary by lender, product, lock period, and market conditions. This view uses principal-and-interest payments only; it excludes taxes, insurance, mortgage insurance, prepaid items, escrow, costs other than entered points/credits, loan balance changes, and refinance or sale timing. Confirm the official Loan Estimates before choosing a loan.