Mortgage Buydown Calculator ? Points vs Monthly Savings
Pay points now or keep the cash? Enter your loan, rate and points to see the new payment and the exact month the buydown pays for itself ? plus the seller-paid 2-1 buydown math.
Mortgage Rate Buydown Calculator
$
%
pts
Cost: $3,600
%
Typically 0.125–0.25% per point
New Monthly P&I
$2,275
6.500% rate · saves $60/mo for $3,600 upfront
Cost of points$3,600
Monthly savings$60
Break-even61 months (5.0 yrs)
Rule of thumb: buying the rate only pays if you keep the loan past break-even — and refinancing early wastes the upfront cost.
Numbers look good? Check what lenders will actually offer you.
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