Analyze whether paying discount points upfront to reduce your interest rate is worth it in 2026. Compare the cost of points against monthly savings to find your break-even month.
Loan Details
$
%
%
Points Cost
$6,400
2 point(s) × 1% × $320,000
Original Rate
7.000%
$2,129/mo
Rate with Points
6.500%
$2,023/mo
Monthly Savings$106
Points Cost$6,400
Break-Even Point61 months (5.1 years)
Total Interest Saved (life)$38,286
✅ Worth It If You Stay 5.1+ Years
After break-even, you save $106/month for the remaining loan term.
Estimation Only: Results from the Points Buy-Down Calculator are for informational and educational purposes only. They do not constitute financial, tax, mortgage, or legal advice. Actual payments, rates, taxes, and insurance will vary. Always consult a licensed financial professional before making any financial decisions. No personal data is transmitted by this calculator.