Buydown / Points Calculator

Calculator

Buydown / points

See monthly savings vs cost and estimate your break-even timeline.

Inputs

Loan amountBase rate (%)Buydown rate (%)Term (years)Points / cost (est.)

Result

Base P&I

$2,594.39

Buydown P&I

$2,462.87

Monthly savings

$131.52

Break-even

61 months

Points and buydown availability depend on program and market. Use this as a comparison tool.

* Example for illustration only: purchase price $450,000, 20% down, 30-year fixed, 6.750% note rate, 6.982% APR, estimated as of January 15, 2026.

Rates, APR, taxes, insurance, mortgage insurance, reserves, cash to close, fees, and qualifying terms can change based on credit, income, assets, property, occupancy, documentation, market movement, lender overlays, and underwriting.

This calculator is an educational estimate. It is not a Loan Estimate, credit decision, approval, or commitment to lend. Ask a licensed mortgage professional for a full review and an official Loan Estimate before making decisions.

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