Buying Down Interest Rate Calculator

Buying Down Interest Rate Calculator to calculate how much you can save in interest payments with mortgage discount points.

Mortgage Discount Points Calculator
Mortgage Amount	$	Interest Rate
Loan Terms	years	# of Points
Interest Rate with Points

Cost of Mortgage Points	$9,000.00
Break Even Point:	94 months
Break Even Year:	7.8 years

Discount Point Calculator
Monthly Payment Without Points:			$1,847.15
Monthly Payment With Points:			$1,750.72
Payoff Date:			May, 2055
Discount points cost:			$9,000.00
Interest Savings:			$34,715.89
Total Savings:			$25,715.89
Break Even Point:			94 months
Break Even Year:			7.8 years
Amortization Schedule Without Mortgage Points
Payment Date	Payment #	Interest Paid	Principal Paid	Total Payment	Remaining Balance
Jun, 2025	1	$1,562.50	$284.65	$1,847.15	$299,715.35
Jul, 2025	2	$1,561.02	$286.13	$1,847.15	$299,429.21
Aug, 2025	3	$1,559.53	$287.62	$1,847.15	$299,141.59
Sep, 2025	4	$1,558.03	$289.12	$1,847.15	$298,852.47
Oct, 2025	5	$1,556.52	$290.63	$1,847.15	$298,561.84
Nov, 2025	6	$1,555.01	$292.14	$1,847.15	$298,269.70
Dec, 2025	7	$1,553.49	$293.66	$1,847.15	$297,976.03
Jan, 2026	8	$1,551.96	$295.19	$1,847.15	$297,680.84
Feb, 2026	9	$1,550.42	$296.73	$1,847.15	$297,384.11
Mar, 2026	10	$1,548.88	$298.28	$1,847.15	$297,085.83
Apr, 2026	11	$1,547.32	$299.83	$1,847.15	$296,786.00
May, 2026	12	$1,545.76	$301.39	$1,847.15	$296,484.61
Jun, 2026	13	$1,544.19	$302.96	$1,847.15	$296,181.65
Jul, 2026	14	$1,542.61	$304.54	$1,847.15	$295,877.11
Aug, 2026	15	$1,541.03	$306.12	$1,847.15	$295,570.99
Sep, 2026	16	$1,539.43	$307.72	$1,847.15	$295,263.27
Oct, 2026	17	$1,537.83	$309.32	$1,847.15	$294,953.95
Nov, 2026	18	$1,536.22	$310.93	$1,847.15	$294,643.01
Dec, 2026	19	$1,534.60	$312.55	$1,847.15	$294,330.46
Jan, 2027	20	$1,532.97	$314.18	$1,847.15	$294,016.28
Feb, 2027	21	$1,531.33	$315.82	$1,847.15	$293,700.46
Mar, 2027	22	$1,529.69	$317.46	$1,847.15	$293,383.00
Apr, 2027	23	$1,528.04	$319.12	$1,847.15	$293,063.89
May, 2027	24	$1,526.37	$320.78	$1,847.15	$292,743.11
Jun, 2027	25	$1,524.70	$322.45	$1,847.15	$292,420.66
Jul, 2027	26	$1,523.02	$324.13	$1,847.15	$292,096.53
Aug, 2027	27	$1,521.34	$325.82	$1,847.15	$291,770.72
Sep, 2027	28	$1,519.64	$327.51	$1,847.15	$291,443.21
Oct, 2027	29	$1,517.93	$329.22	$1,847.15	$291,113.99
Nov, 2027	30	$1,516.22	$330.93	$1,847.15	$290,783.06
Dec, 2027	31	$1,514.50	$332.66	$1,847.15	$290,450.40
Jan, 2028	32	$1,512.76	$334.39	$1,847.15	$290,116.01
Feb, 2028	33	$1,511.02	$336.13	$1,847.15	$289,779.88
Mar, 2028	34	$1,509.27	$337.88	$1,847.15	$289,442.00
Apr, 2028	35	$1,507.51	$339.64	$1,847.15	$289,102.36
May, 2028	36	$1,505.74	$341.41	$1,847.15	$288,760.95
Jun, 2028	37	$1,503.96	$343.19	$1,847.15	$288,417.76
Jul, 2028	38	$1,502.18	$344.98	$1,847.15	$288,072.78
Aug, 2028	39	$1,500.38	$346.77	$1,847.15	$287,726.01
Sep, 2028	40	$1,498.57	$348.58	$1,847.15	$287,377.43
Oct, 2028	41	$1,496.76	$350.39	$1,847.15	$287,027.04
Nov, 2028	42	$1,494.93	$352.22	$1,847.15	$286,674.82
Dec, 2028	43	$1,493.10	$354.05	$1,847.15	$286,320.76
Jan, 2029	44	$1,491.25	$355.90	$1,847.15	$285,964.87
Feb, 2029	45	$1,489.40	$357.75	$1,847.15	$285,607.12
Mar, 2029	46	$1,487.54	$359.61	$1,847.15	$285,247.50
Apr, 2029	47	$1,485.66	$361.49	$1,847.15	$284,886.01
May, 2029	48	$1,483.78	$363.37	$1,847.15	$284,522.64
Jun, 2029	49	$1,481.89	$365.26	$1,847.15	$284,157.38
Jul, 2029	50	$1,479.99	$367.17	$1,847.15	$283,790.22
Aug, 2029	51	$1,478.07	$369.08	$1,847.15	$283,421.14
Sep, 2029	52	$1,476.15	$371.00	$1,847.15	$283,050.14
Oct, 2029	53	$1,474.22	$372.93	$1,847.15	$282,677.21
Nov, 2029	54	$1,472.28	$374.87	$1,847.15	$282,302.33
Dec, 2029	55	$1,470.32	$376.83	$1,847.15	$281,925.50
Jan, 2030	56	$1,468.36	$378.79	$1,847.15	$281,546.71
Feb, 2030	57	$1,466.39	$380.76	$1,847.15	$281,165.95
Mar, 2030	58	$1,464.41	$382.75	$1,847.15	$280,783.21
Apr, 2030	59	$1,462.41	$384.74	$1,847.15	$280,398.47
May, 2030	60	$1,460.41	$386.74	$1,847.15	$280,011.72
Jun, 2030	61	$1,458.39	$388.76	$1,847.15	$279,622.97
Jul, 2030	62	$1,456.37	$390.78	$1,847.15	$279,232.19
Aug, 2030	63	$1,454.33	$392.82	$1,847.15	$278,839.37
Sep, 2030	64	$1,452.29	$394.86	$1,847.15	$278,444.50
Oct, 2030	65	$1,450.23	$396.92	$1,847.15	$278,047.58
Nov, 2030	66	$1,448.16	$398.99	$1,847.15	$277,648.60
Dec, 2030	67	$1,446.09	$401.07	$1,847.15	$277,247.53
Jan, 2031	68	$1,444.00	$403.15	$1,847.15	$276,844.38
Feb, 2031	69	$1,441.90	$405.25	$1,847.15	$276,439.12
Mar, 2031	70	$1,439.79	$407.36	$1,847.15	$276,031.76
Apr, 2031	71	$1,437.67	$409.49	$1,847.15	$275,622.27
May, 2031	72	$1,435.53	$411.62	$1,847.15	$275,210.66
Jun, 2031	73	$1,433.39	$413.76	$1,847.15	$274,796.89
Jul, 2031	74	$1,431.23	$415.92	$1,847.15	$274,380.97
Aug, 2031	75	$1,429.07	$418.08	$1,847.15	$273,962.89
Sep, 2031	76	$1,426.89	$420.26	$1,847.15	$273,542.63
Oct, 2031	77	$1,424.70	$422.45	$1,847.15	$273,120.18
Nov, 2031	78	$1,422.50	$424.65	$1,847.15	$272,695.53
Dec, 2031	79	$1,420.29	$426.86	$1,847.15	$272,268.67
Jan, 2032	80	$1,418.07	$429.09	$1,847.15	$271,839.58
Feb, 2032	81	$1,415.83	$431.32	$1,847.15	$271,408.26
Mar, 2032	82	$1,413.58	$433.57	$1,847.15	$270,974.69
Apr, 2032	83	$1,411.33	$435.83	$1,847.15	$270,538.87
May, 2032	84	$1,409.06	$438.09	$1,847.15	$270,100.77
Jun, 2032	85	$1,406.77	$440.38	$1,847.15	$269,660.40
Jul, 2032	86	$1,404.48	$442.67	$1,847.15	$269,217.73
Aug, 2032	87	$1,402.18	$444.98	$1,847.15	$268,772.75
Sep, 2032	88	$1,399.86	$447.29	$1,847.15	$268,325.46
Oct, 2032	89	$1,397.53	$449.62	$1,847.15	$267,875.83
Nov, 2032	90	$1,395.19	$451.96	$1,847.15	$267,423.87
Dec, 2032	91	$1,392.83	$454.32	$1,847.15	$266,969.55
Jan, 2033	92	$1,390.47	$456.69	$1,847.15	$266,512.86
Feb, 2033	93	$1,388.09	$459.06	$1,847.15	$266,053.80
Mar, 2033	94	$1,385.70	$461.45	$1,847.15	$265,592.35
Apr, 2033	95	$1,383.29	$463.86	$1,847.15	$265,128.49
May, 2033	96	$1,380.88	$466.27	$1,847.15	$264,662.21
Jun, 2033	97	$1,378.45	$468.70	$1,847.15	$264,193.51
Jul, 2033	98	$1,376.01	$471.14	$1,847.15	$263,722.37
Aug, 2033	99	$1,373.55	$473.60	$1,847.15	$263,248.77
Sep, 2033	100	$1,371.09	$476.06	$1,847.15	$262,772.70
Oct, 2033	101	$1,368.61	$478.54	$1,847.15	$262,294.16
Nov, 2033	102	$1,366.12	$481.04	$1,847.15	$261,813.12
Dec, 2033	103	$1,363.61	$483.54	$1,847.15	$261,329.58
Jan, 2034	104	$1,361.09	$486.06	$1,847.15	$260,843.52
Feb, 2034	105	$1,358.56	$488.59	$1,847.15	$260,354.93
Mar, 2034	106	$1,356.02	$491.14	$1,847.15	$259,863.80
Apr, 2034	107	$1,353.46	$493.69	$1,847.15	$259,370.10
May, 2034	108	$1,350.89	$496.27	$1,847.15	$258,873.84
Jun, 2034	109	$1,348.30	$498.85	$1,847.15	$258,374.98
Jul, 2034	110	$1,345.70	$501.45	$1,847.15	$257,873.54
Aug, 2034	111	$1,343.09	$504.06	$1,847.15	$257,369.48
Sep, 2034	112	$1,340.47	$506.69	$1,847.15	$256,862.79
Oct, 2034	113	$1,337.83	$509.32	$1,847.15	$256,353.47
Nov, 2034	114	$1,335.17	$511.98	$1,847.15	$255,841.49
Dec, 2034	115	$1,332.51	$514.64	$1,847.15	$255,326.84
Jan, 2035	116	$1,329.83	$517.32	$1,847.15	$254,809.52
Feb, 2035	117	$1,327.13	$520.02	$1,847.15	$254,289.50
Mar, 2035	118	$1,324.42	$522.73	$1,847.15	$253,766.77
Apr, 2035	119	$1,321.70	$525.45	$1,847.15	$253,241.32
May, 2035	120	$1,318.97	$528.19	$1,847.15	$252,713.14
Jun, 2035	121	$1,316.21	$530.94	$1,847.15	$252,182.20
Jul, 2035	122	$1,313.45	$533.70	$1,847.15	$251,648.50
Aug, 2035	123	$1,310.67	$536.48	$1,847.15	$251,112.02
Sep, 2035	124	$1,307.88	$539.28	$1,847.15	$250,572.74
Oct, 2035	125	$1,305.07	$542.09	$1,847.15	$250,030.65
Nov, 2035	126	$1,302.24	$544.91	$1,847.15	$249,485.75
Dec, 2035	127	$1,299.40	$547.75	$1,847.15	$248,938.00
Jan, 2036	128	$1,296.55	$550.60	$1,847.15	$248,387.40
Feb, 2036	129	$1,293.68	$553.47	$1,847.15	$247,833.93
Mar, 2036	130	$1,290.80	$556.35	$1,847.15	$247,277.58
Apr, 2036	131	$1,287.90	$559.25	$1,847.15	$246,718.34
May, 2036	132	$1,284.99	$562.16	$1,847.15	$246,156.17
Jun, 2036	133	$1,282.06	$565.09	$1,847.15	$245,591.09
Jul, 2036	134	$1,279.12	$568.03	$1,847.15	$245,023.06
Aug, 2036	135	$1,276.16	$570.99	$1,847.15	$244,452.07
Sep, 2036	136	$1,273.19	$573.96	$1,847.15	$243,878.10
Oct, 2036	137	$1,270.20	$576.95	$1,847.15	$243,301.15
Nov, 2036	138	$1,267.19	$579.96	$1,847.15	$242,721.19
Dec, 2036	139	$1,264.17	$582.98	$1,847.15	$242,138.21
Jan, 2037	140	$1,261.14	$586.02	$1,847.15	$241,552.20
Feb, 2037	141	$1,258.08	$589.07	$1,847.15	$240,963.13
Mar, 2037	142	$1,255.02	$592.14	$1,847.15	$240,370.99
Apr, 2037	143	$1,251.93	$595.22	$1,847.15	$239,775.77
May, 2037	144	$1,248.83	$598.32	$1,847.15	$239,177.46
Jun, 2037	145	$1,245.72	$601.44	$1,847.15	$238,576.02
Jul, 2037	146	$1,242.58	$604.57	$1,847.15	$237,971.45
Aug, 2037	147	$1,239.43	$607.72	$1,847.15	$237,363.73
Sep, 2037	148	$1,236.27	$610.88	$1,847.15	$236,752.85
Oct, 2037	149	$1,233.09	$614.06	$1,847.15	$236,138.79
Nov, 2037	150	$1,229.89	$617.26	$1,847.15	$235,521.53
Dec, 2037	151	$1,226.67	$620.48	$1,847.15	$234,901.05
Jan, 2038	152	$1,223.44	$623.71	$1,847.15	$234,277.34
Feb, 2038	153	$1,220.19	$626.96	$1,847.15	$233,650.38
Mar, 2038	154	$1,216.93	$630.22	$1,847.15	$233,020.16
Apr, 2038	155	$1,213.65	$633.50	$1,847.15	$232,386.66
May, 2038	156	$1,210.35	$636.80	$1,847.15	$231,749.85
Jun, 2038	157	$1,207.03	$640.12	$1,847.15	$231,109.73
Jul, 2038	158	$1,203.70	$643.46	$1,847.15	$230,466.28
Aug, 2038	159	$1,200.35	$646.81	$1,847.15	$229,819.47
Sep, 2038	160	$1,196.98	$650.18	$1,847.15	$229,169.29
Oct, 2038	161	$1,193.59	$653.56	$1,847.15	$228,515.73
Nov, 2038	162	$1,190.19	$656.97	$1,847.15	$227,858.77
Dec, 2038	163	$1,186.76	$660.39	$1,847.15	$227,198.38
Jan, 2039	164	$1,183.32	$663.83	$1,847.15	$226,534.55
Feb, 2039	165	$1,179.87	$667.28	$1,847.15	$225,867.27
Mar, 2039	166	$1,176.39	$670.76	$1,847.15	$225,196.51
Apr, 2039	167	$1,172.90	$674.25	$1,847.15	$224,522.26
May, 2039	168	$1,169.39	$677.76	$1,847.15	$223,844.49
Jun, 2039	169	$1,165.86	$681.29	$1,847.15	$223,163.20
Jul, 2039	170	$1,162.31	$684.84	$1,847.15	$222,478.35
Aug, 2039	171	$1,158.74	$688.41	$1,847.15	$221,789.94
Sep, 2039	172	$1,155.16	$692.00	$1,847.15	$221,097.95
Oct, 2039	173	$1,151.55	$695.60	$1,847.15	$220,402.35
Nov, 2039	174	$1,147.93	$699.22	$1,847.15	$219,703.12
Dec, 2039	175	$1,144.29	$702.86	$1,847.15	$219,000.26
Jan, 2040	176	$1,140.63	$706.53	$1,847.15	$218,293.74
Feb, 2040	177	$1,136.95	$710.21	$1,847.15	$217,583.53
Mar, 2040	178	$1,133.25	$713.90	$1,847.15	$216,869.63
Apr, 2040	179	$1,129.53	$717.62	$1,847.15	$216,152.00
May, 2040	180	$1,125.79	$721.36	$1,847.15	$215,430.64
Jun, 2040	181	$1,122.03	$725.12	$1,847.15	$214,705.53
Jul, 2040	182	$1,118.26	$728.89	$1,847.15	$213,976.63
Aug, 2040	183	$1,114.46	$732.69	$1,847.15	$213,243.94
Sep, 2040	184	$1,110.65	$736.51	$1,847.15	$212,507.44
Oct, 2040	185	$1,106.81	$740.34	$1,847.15	$211,767.10
Nov, 2040	186	$1,102.95	$744.20	$1,847.15	$211,022.90
Dec, 2040	187	$1,099.08	$748.07	$1,847.15	$210,274.82
Jan, 2041	188	$1,095.18	$751.97	$1,847.15	$209,522.85
Feb, 2041	189	$1,091.26	$755.89	$1,847.15	$208,766.97
Mar, 2041	190	$1,087.33	$759.82	$1,847.15	$208,007.14
Apr, 2041	191	$1,083.37	$763.78	$1,847.15	$207,243.36
May, 2041	192	$1,079.39	$767.76	$1,847.15	$206,475.60
Jun, 2041	193	$1,075.39	$771.76	$1,847.15	$205,703.84
Jul, 2041	194	$1,071.37	$775.78	$1,847.15	$204,928.07
Aug, 2041	195	$1,067.33	$779.82	$1,847.15	$204,148.25
Sep, 2041	196	$1,063.27	$783.88	$1,847.15	$203,364.37
Oct, 2041	197	$1,059.19	$787.96	$1,847.15	$202,576.41
Nov, 2041	198	$1,055.09	$792.07	$1,847.15	$201,784.34
Dec, 2041	199	$1,050.96	$796.19	$1,847.15	$200,988.15
Jan, 2042	200	$1,046.81	$800.34	$1,847.15	$200,187.81
Feb, 2042	201	$1,042.64	$804.51	$1,847.15	$199,383.30
Mar, 2042	202	$1,038.45	$808.70	$1,847.15	$198,574.61
Apr, 2042	203	$1,034.24	$812.91	$1,847.15	$197,761.70
May, 2042	204	$1,030.01	$817.14	$1,847.15	$196,944.56
Jun, 2042	205	$1,025.75	$821.40	$1,847.15	$196,123.16
Jul, 2042	206	$1,021.47	$825.68	$1,847.15	$195,297.48
Aug, 2042	207	$1,017.17	$829.98	$1,847.15	$194,467.50
Sep, 2042	208	$1,012.85	$834.30	$1,847.15	$193,633.20
Oct, 2042	209	$1,008.51	$838.65	$1,847.15	$192,794.56
Nov, 2042	210	$1,004.14	$843.01	$1,847.15	$191,951.54
Dec, 2042	211	$999.75	$847.40	$1,847.15	$191,104.14
Jan, 2043	212	$995.33	$851.82	$1,847.15	$190,252.32
Feb, 2043	213	$990.90	$856.25	$1,847.15	$189,396.07
Mar, 2043	214	$986.44	$860.71	$1,847.15	$188,535.36
Apr, 2043	215	$981.95	$865.20	$1,847.15	$187,670.16
May, 2043	216	$977.45	$869.70	$1,847.15	$186,800.46
Jun, 2043	217	$972.92	$874.23	$1,847.15	$185,926.22
Jul, 2043	218	$968.37	$878.79	$1,847.15	$185,047.44
Aug, 2043	219	$963.79	$883.36	$1,847.15	$184,164.07
Sep, 2043	220	$959.19	$887.96	$1,847.15	$183,276.11
Oct, 2043	221	$954.56	$892.59	$1,847.15	$182,383.52
Nov, 2043	222	$949.91	$897.24	$1,847.15	$181,486.29
Dec, 2043	223	$945.24	$901.91	$1,847.15	$180,584.37
Jan, 2044	224	$940.54	$906.61	$1,847.15	$179,677.77
Feb, 2044	225	$935.82	$911.33	$1,847.15	$178,766.44
Mar, 2044	226	$931.08	$916.08	$1,847.15	$177,850.36
Apr, 2044	227	$926.30	$920.85	$1,847.15	$176,929.51
May, 2044	228	$921.51	$925.64	$1,847.15	$176,003.87
Jun, 2044	229	$916.69	$930.46	$1,847.15	$175,073.40
Jul, 2044	230	$911.84	$935.31	$1,847.15	$174,138.09
Aug, 2044	231	$906.97	$940.18	$1,847.15	$173,197.91
Sep, 2044	232	$902.07	$945.08	$1,847.15	$172,252.83
Oct, 2044	233	$897.15	$950.00	$1,847.15	$171,302.83
Nov, 2044	234	$892.20	$954.95	$1,847.15	$170,347.88
Dec, 2044	235	$887.23	$959.92	$1,847.15	$169,387.96
Jan, 2045	236	$882.23	$964.92	$1,847.15	$168,423.04
Feb, 2045	237	$877.20	$969.95	$1,847.15	$167,453.09
Mar, 2045	238	$872.15	$975.00	$1,847.15	$166,478.09
Apr, 2045	239	$867.07	$980.08	$1,847.15	$165,498.01
May, 2045	240	$861.97	$985.18	$1,847.15	$164,512.83
Jun, 2045	241	$856.84	$990.31	$1,847.15	$163,522.51
Jul, 2045	242	$851.68	$995.47	$1,847.15	$162,527.04
Aug, 2045	243	$846.49	$1,000.66	$1,847.15	$161,526.38
Sep, 2045	244	$841.28	$1,005.87	$1,847.15	$160,520.51
Oct, 2045	245	$836.04	$1,011.11	$1,847.15	$159,509.41
Nov, 2045	246	$830.78	$1,016.37	$1,847.15	$158,493.03
Dec, 2045	247	$825.48	$1,021.67	$1,847.15	$157,471.37
Jan, 2046	248	$820.16	$1,026.99	$1,847.15	$156,444.38
Feb, 2046	249	$814.81	$1,032.34	$1,847.15	$155,412.04
Mar, 2046	250	$809.44	$1,037.71	$1,847.15	$154,374.33
Apr, 2046	251	$804.03	$1,043.12	$1,847.15	$153,331.21
May, 2046	252	$798.60	$1,048.55	$1,847.15	$152,282.66
Jun, 2046	253	$793.14	$1,054.01	$1,847.15	$151,228.65
Jul, 2046	254	$787.65	$1,059.50	$1,847.15	$150,169.14
Aug, 2046	255	$782.13	$1,065.02	$1,847.15	$149,104.12
Sep, 2046	256	$776.58	$1,070.57	$1,847.15	$148,033.55
Oct, 2046	257	$771.01	$1,076.14	$1,847.15	$146,957.41
Nov, 2046	258	$765.40	$1,081.75	$1,847.15	$145,875.66
Dec, 2046	259	$759.77	$1,087.38	$1,847.15	$144,788.28
Jan, 2047	260	$754.11	$1,093.05	$1,847.15	$143,695.23
Feb, 2047	261	$748.41	$1,098.74	$1,847.15	$142,596.50
Mar, 2047	262	$742.69	$1,104.46	$1,847.15	$141,492.03
Apr, 2047	263	$736.94	$1,110.21	$1,847.15	$140,381.82
May, 2047	264	$731.16	$1,116.00	$1,847.15	$139,265.82
Jun, 2047	265	$725.34	$1,121.81	$1,847.15	$138,144.01
Jul, 2047	266	$719.50	$1,127.65	$1,847.15	$137,016.36
Aug, 2047	267	$713.63	$1,133.52	$1,847.15	$135,882.84
Sep, 2047	268	$707.72	$1,139.43	$1,847.15	$134,743.41
Oct, 2047	269	$701.79	$1,145.36	$1,847.15	$133,598.05
Nov, 2047	270	$695.82	$1,151.33	$1,847.15	$132,446.72
Dec, 2047	271	$689.83	$1,157.32	$1,847.15	$131,289.39
Jan, 2048	272	$683.80	$1,163.35	$1,847.15	$130,126.04
Feb, 2048	273	$677.74	$1,169.41	$1,847.15	$128,956.63
Mar, 2048	274	$671.65	$1,175.50	$1,847.15	$127,781.13
Apr, 2048	275	$665.53	$1,181.62	$1,847.15	$126,599.50
May, 2048	276	$659.37	$1,187.78	$1,847.15	$125,411.72
Jun, 2048	277	$653.19	$1,193.97	$1,847.15	$124,217.76
Jul, 2048	278	$646.97	$1,200.18	$1,847.15	$123,017.57
Aug, 2048	279	$640.72	$1,206.44	$1,847.15	$121,811.14
Sep, 2048	280	$634.43	$1,212.72	$1,847.15	$120,598.42
Oct, 2048	281	$628.12	$1,219.03	$1,847.15	$119,379.38
Nov, 2048	282	$621.77	$1,225.38	$1,847.15	$118,154.00
Dec, 2048	283	$615.39	$1,231.77	$1,847.15	$116,922.23
Jan, 2049	284	$608.97	$1,238.18	$1,847.15	$115,684.05
Feb, 2049	285	$602.52	$1,244.63	$1,847.15	$114,439.42
Mar, 2049	286	$596.04	$1,251.11	$1,847.15	$113,188.31
Apr, 2049	287	$589.52	$1,257.63	$1,847.15	$111,930.68
May, 2049	288	$582.97	$1,264.18	$1,847.15	$110,666.50
Jun, 2049	289	$576.39	$1,270.76	$1,847.15	$109,395.74
Jul, 2049	290	$569.77	$1,277.38	$1,847.15	$108,118.35
Aug, 2049	291	$563.12	$1,284.04	$1,847.15	$106,834.32
Sep, 2049	292	$556.43	$1,290.72	$1,847.15	$105,543.60
Oct, 2049	293	$549.71	$1,297.45	$1,847.15	$104,246.15
Nov, 2049	294	$542.95	$1,304.20	$1,847.15	$102,941.95
Dec, 2049	295	$536.16	$1,311.00	$1,847.15	$101,630.95
Jan, 2050	296	$529.33	$1,317.82	$1,847.15	$100,313.13
Feb, 2050	297	$522.46	$1,324.69	$1,847.15	$98,988.44
Mar, 2050	298	$515.56	$1,331.59	$1,847.15	$97,656.85
Apr, 2050	299	$508.63	$1,338.52	$1,847.15	$96,318.33
May, 2050	300	$501.66	$1,345.49	$1,847.15	$94,972.84
Jun, 2050	301	$494.65	$1,352.50	$1,847.15	$93,620.34
Jul, 2050	302	$487.61	$1,359.55	$1,847.15	$92,260.79
Aug, 2050	303	$480.52	$1,366.63	$1,847.15	$90,894.17
Sep, 2050	304	$473.41	$1,373.74	$1,847.15	$89,520.42
Oct, 2050	305	$466.25	$1,380.90	$1,847.15	$88,139.52
Nov, 2050	306	$459.06	$1,388.09	$1,847.15	$86,751.43
Dec, 2050	307	$451.83	$1,395.32	$1,847.15	$85,356.11
Jan, 2051	308	$444.56	$1,402.59	$1,847.15	$83,953.52
Feb, 2051	309	$437.26	$1,409.89	$1,847.15	$82,543.63
Mar, 2051	310	$429.91	$1,417.24	$1,847.15	$81,126.39
Apr, 2051	311	$422.53	$1,424.62	$1,847.15	$79,701.77
May, 2051	312	$415.11	$1,432.04	$1,847.15	$78,269.73
Jun, 2051	313	$407.65	$1,439.50	$1,847.15	$76,830.24
Jul, 2051	314	$400.16	$1,446.99	$1,847.15	$75,383.24
Aug, 2051	315	$392.62	$1,454.53	$1,847.15	$73,928.71
Sep, 2051	316	$385.05	$1,462.11	$1,847.15	$72,466.61
Oct, 2051	317	$377.43	$1,469.72	$1,847.15	$70,996.88
Nov, 2051	318	$369.78	$1,477.38	$1,847.15	$69,519.51
Dec, 2051	319	$362.08	$1,485.07	$1,847.15	$68,034.44
Jan, 2052	320	$354.35	$1,492.81	$1,847.15	$66,541.63
Feb, 2052	321	$346.57	$1,500.58	$1,847.15	$65,041.05
Mar, 2052	322	$338.76	$1,508.40	$1,847.15	$63,532.65
Apr, 2052	323	$330.90	$1,516.25	$1,847.15	$62,016.40
May, 2052	324	$323.00	$1,524.15	$1,847.15	$60,492.25
Jun, 2052	325	$315.06	$1,532.09	$1,847.15	$58,960.17
Jul, 2052	326	$307.08	$1,540.07	$1,847.15	$57,420.10
Aug, 2052	327	$299.06	$1,548.09	$1,847.15	$55,872.01
Sep, 2052	328	$291.00	$1,556.15	$1,847.15	$54,315.86
Oct, 2052	329	$282.90	$1,564.26	$1,847.15	$52,751.60
Nov, 2052	330	$274.75	$1,572.40	$1,847.15	$51,179.20
Dec, 2052	331	$266.56	$1,580.59	$1,847.15	$49,598.60
Jan, 2053	332	$258.33	$1,588.83	$1,847.15	$48,009.78
Feb, 2053	333	$250.05	$1,597.10	$1,847.15	$46,412.68
Mar, 2053	334	$241.73	$1,605.42	$1,847.15	$44,807.26
Apr, 2053	335	$233.37	$1,613.78	$1,847.15	$43,193.48
May, 2053	336	$224.97	$1,622.19	$1,847.15	$41,571.29
Jun, 2053	337	$216.52	$1,630.63	$1,847.15	$39,940.66
Jul, 2053	338	$208.02	$1,639.13	$1,847.15	$38,301.53
Aug, 2053	339	$199.49	$1,647.66	$1,847.15	$36,653.87
Sep, 2053	340	$190.91	$1,656.25	$1,847.15	$34,997.62
Oct, 2053	341	$182.28	$1,664.87	$1,847.15	$33,332.75
Nov, 2053	342	$173.61	$1,673.54	$1,847.15	$31,659.20
Dec, 2053	343	$164.89	$1,682.26	$1,847.15	$29,976.94
Jan, 2054	344	$156.13	$1,691.02	$1,847.15	$28,285.92
Feb, 2054	345	$147.32	$1,699.83	$1,847.15	$26,586.09
Mar, 2054	346	$138.47	$1,708.68	$1,847.15	$24,877.41
Apr, 2054	347	$129.57	$1,717.58	$1,847.15	$23,159.83
May, 2054	348	$120.62	$1,726.53	$1,847.15	$21,433.30
Jun, 2054	349	$111.63	$1,735.52	$1,847.15	$19,697.78
Jul, 2054	350	$102.59	$1,744.56	$1,847.15	$17,953.22
Aug, 2054	351	$93.51	$1,753.65	$1,847.15	$16,199.58
Sep, 2054	352	$84.37	$1,762.78	$1,847.15	$14,436.80
Oct, 2054	353	$75.19	$1,771.96	$1,847.15	$12,664.84
Nov, 2054	354	$65.96	$1,781.19	$1,847.15	$10,883.65
Dec, 2054	355	$56.69	$1,790.47	$1,847.15	$9,093.18
Jan, 2055	356	$47.36	$1,799.79	$1,847.15	$7,293.39
Feb, 2055	357	$37.99	$1,809.17	$1,847.15	$5,484.23
Mar, 2055	358	$28.56	$1,818.59	$1,847.15	$3,665.64
Apr, 2055	359	$19.09	$1,828.06	$1,847.15	$1,837.58
May, 2055	360	$9.57	$1,837.58	$1,847.15	$0.00
Amortization Schedule With Mortgage Points
Payment Date	Payment #	Interest Paid	Principal Paid	Total Payment	Remaining Balance
Jun, 2025	1	$1,437.50	$313.22	$1,750.72	$299,686.78
Jul, 2025	2	$1,436.00	$314.72	$1,750.72	$299,372.06
Aug, 2025	3	$1,434.49	$316.23	$1,750.72	$299,055.83
Sep, 2025	4	$1,432.98	$317.74	$1,750.72	$298,738.09
Oct, 2025	5	$1,431.45	$319.27	$1,750.72	$298,418.83
Nov, 2025	6	$1,429.92	$320.80	$1,750.72	$298,098.03
Dec, 2025	7	$1,428.39	$322.33	$1,750.72	$297,775.70
Jan, 2026	8	$1,426.84	$323.88	$1,750.72	$297,451.82
Feb, 2026	9	$1,425.29	$325.43	$1,750.72	$297,126.39
Mar, 2026	10	$1,423.73	$326.99	$1,750.72	$296,799.41
Apr, 2026	11	$1,422.16	$328.55	$1,750.72	$296,470.85
May, 2026	12	$1,420.59	$330.13	$1,750.72	$296,140.72
Jun, 2026	13	$1,419.01	$331.71	$1,750.72	$295,809.01
Jul, 2026	14	$1,417.42	$333.30	$1,750.72	$295,475.71
Aug, 2026	15	$1,415.82	$334.90	$1,750.72	$295,140.81
Sep, 2026	16	$1,414.22	$336.50	$1,750.72	$294,804.31
Oct, 2026	17	$1,412.60	$338.11	$1,750.72	$294,466.20
Nov, 2026	18	$1,410.98	$339.73	$1,750.72	$294,126.46
Dec, 2026	19	$1,409.36	$341.36	$1,750.72	$293,785.10
Jan, 2027	20	$1,407.72	$343.00	$1,750.72	$293,442.10
Feb, 2027	21	$1,406.08	$344.64	$1,750.72	$293,097.46
Mar, 2027	22	$1,404.43	$346.29	$1,750.72	$292,751.17
Apr, 2027	23	$1,402.77	$347.95	$1,750.72	$292,403.21
May, 2027	24	$1,401.10	$349.62	$1,750.72	$292,053.59
Jun, 2027	25	$1,399.42	$351.30	$1,750.72	$291,702.30
Jul, 2027	26	$1,397.74	$352.98	$1,750.72	$291,349.32
Aug, 2027	27	$1,396.05	$354.67	$1,750.72	$290,994.65
Sep, 2027	28	$1,394.35	$356.37	$1,750.72	$290,638.28
Oct, 2027	29	$1,392.64	$358.08	$1,750.72	$290,280.20
Nov, 2027	30	$1,390.93	$359.79	$1,750.72	$289,920.41
Dec, 2027	31	$1,389.20	$361.52	$1,750.72	$289,558.90
Jan, 2028	32	$1,387.47	$363.25	$1,750.72	$289,195.65
Feb, 2028	33	$1,385.73	$364.99	$1,750.72	$288,830.66
Mar, 2028	34	$1,383.98	$366.74	$1,750.72	$288,463.92
Apr, 2028	35	$1,382.22	$368.50	$1,750.72	$288,095.42
May, 2028	36	$1,380.46	$370.26	$1,750.72	$287,725.16
Jun, 2028	37	$1,378.68	$372.04	$1,750.72	$287,353.13
Jul, 2028	38	$1,376.90	$373.82	$1,750.72	$286,979.31
Aug, 2028	39	$1,375.11	$375.61	$1,750.72	$286,603.70
Sep, 2028	40	$1,373.31	$377.41	$1,750.72	$286,226.29
Oct, 2028	41	$1,371.50	$379.22	$1,750.72	$285,847.07
Nov, 2028	42	$1,369.68	$381.03	$1,750.72	$285,466.04
Dec, 2028	43	$1,367.86	$382.86	$1,750.72	$285,083.18
Jan, 2029	44	$1,366.02	$384.70	$1,750.72	$284,698.48
Feb, 2029	45	$1,364.18	$386.54	$1,750.72	$284,311.94
Mar, 2029	46	$1,362.33	$388.39	$1,750.72	$283,923.55
Apr, 2029	47	$1,360.47	$390.25	$1,750.72	$283,533.30
May, 2029	48	$1,358.60	$392.12	$1,750.72	$283,141.18
Jun, 2029	49	$1,356.72	$394.00	$1,750.72	$282,747.18
Jul, 2029	50	$1,354.83	$395.89	$1,750.72	$282,351.29
Aug, 2029	51	$1,352.93	$397.79	$1,750.72	$281,953.51
Sep, 2029	52	$1,351.03	$399.69	$1,750.72	$281,553.81
Oct, 2029	53	$1,349.11	$401.61	$1,750.72	$281,152.21
Nov, 2029	54	$1,347.19	$403.53	$1,750.72	$280,748.68
Dec, 2029	55	$1,345.25	$405.46	$1,750.72	$280,343.21
Jan, 2030	56	$1,343.31	$407.41	$1,750.72	$279,935.81
Feb, 2030	57	$1,341.36	$409.36	$1,750.72	$279,526.45
Mar, 2030	58	$1,339.40	$411.32	$1,750.72	$279,115.12
Apr, 2030	59	$1,337.43	$413.29	$1,750.72	$278,701.83
May, 2030	60	$1,335.45	$415.27	$1,750.72	$278,286.56
Jun, 2030	61	$1,333.46	$417.26	$1,750.72	$277,869.30
Jul, 2030	62	$1,331.46	$419.26	$1,750.72	$277,450.04
Aug, 2030	63	$1,329.45	$421.27	$1,750.72	$277,028.77
Sep, 2030	64	$1,327.43	$423.29	$1,750.72	$276,605.48
Oct, 2030	65	$1,325.40	$425.32	$1,750.72	$276,180.16
Nov, 2030	66	$1,323.36	$427.36	$1,750.72	$275,752.80
Dec, 2030	67	$1,321.32	$429.40	$1,750.72	$275,323.40
Jan, 2031	68	$1,319.26	$431.46	$1,750.72	$274,891.94
Feb, 2031	69	$1,317.19	$433.53	$1,750.72	$274,458.41
Mar, 2031	70	$1,315.11	$435.61	$1,750.72	$274,022.81
Apr, 2031	71	$1,313.03	$437.69	$1,750.72	$273,585.12
May, 2031	72	$1,310.93	$439.79	$1,750.72	$273,145.33
Jun, 2031	73	$1,308.82	$441.90	$1,750.72	$272,703.43
Jul, 2031	74	$1,306.70	$444.01	$1,750.72	$272,259.41
Aug, 2031	75	$1,304.58	$446.14	$1,750.72	$271,813.27
Sep, 2031	76	$1,302.44	$448.28	$1,750.72	$271,364.99
Oct, 2031	77	$1,300.29	$450.43	$1,750.72	$270,914.56
Nov, 2031	78	$1,298.13	$452.59	$1,750.72	$270,461.98
Dec, 2031	79	$1,295.96	$454.75	$1,750.72	$270,007.22
Jan, 2032	80	$1,293.78	$456.93	$1,750.72	$269,550.29
Feb, 2032	81	$1,291.60	$459.12	$1,750.72	$269,091.16
Mar, 2032	82	$1,289.40	$461.32	$1,750.72	$268,629.84
Apr, 2032	83	$1,287.18	$463.53	$1,750.72	$268,166.31
May, 2032	84	$1,284.96	$465.76	$1,750.72	$267,700.55
Jun, 2032	85	$1,282.73	$467.99	$1,750.72	$267,232.57
Jul, 2032	86	$1,280.49	$470.23	$1,750.72	$266,762.34
Aug, 2032	87	$1,278.24	$472.48	$1,750.72	$266,289.85
Sep, 2032	88	$1,275.97	$474.75	$1,750.72	$265,815.11
Oct, 2032	89	$1,273.70	$477.02	$1,750.72	$265,338.09
Nov, 2032	90	$1,271.41	$479.31	$1,750.72	$264,858.78
Dec, 2032	91	$1,269.11	$481.60	$1,750.72	$264,377.18
Jan, 2033	92	$1,266.81	$483.91	$1,750.72	$263,893.26
Feb, 2033	93	$1,264.49	$486.23	$1,750.72	$263,407.03
Mar, 2033	94	$1,262.16	$488.56	$1,750.72	$262,918.47
Apr, 2033	95	$1,259.82	$490.90	$1,750.72	$262,427.57
May, 2033	96	$1,257.47	$493.25	$1,750.72	$261,934.32
Jun, 2033	97	$1,255.10	$495.62	$1,750.72	$261,438.70
Jul, 2033	98	$1,252.73	$497.99	$1,750.72	$260,940.71
Aug, 2033	99	$1,250.34	$500.38	$1,750.72	$260,440.34
Sep, 2033	100	$1,247.94	$502.78	$1,750.72	$259,937.56
Oct, 2033	101	$1,245.53	$505.18	$1,750.72	$259,432.38
Nov, 2033	102	$1,243.11	$507.61	$1,750.72	$258,924.77
Dec, 2033	103	$1,240.68	$510.04	$1,750.72	$258,414.73
Jan, 2034	104	$1,238.24	$512.48	$1,750.72	$257,902.25
Feb, 2034	105	$1,235.78	$514.94	$1,750.72	$257,387.31
Mar, 2034	106	$1,233.31	$517.40	$1,750.72	$256,869.91
Apr, 2034	107	$1,230.83	$519.88	$1,750.72	$256,350.03
May, 2034	108	$1,228.34	$522.37	$1,750.72	$255,827.65
Jun, 2034	109	$1,225.84	$524.88	$1,750.72	$255,302.77
Jul, 2034	110	$1,223.33	$527.39	$1,750.72	$254,775.38
Aug, 2034	111	$1,220.80	$529.92	$1,750.72	$254,245.46
Sep, 2034	112	$1,218.26	$532.46	$1,750.72	$253,713.00
Oct, 2034	113	$1,215.71	$535.01	$1,750.72	$253,177.99
Nov, 2034	114	$1,213.14	$537.57	$1,750.72	$252,640.42
Dec, 2034	115	$1,210.57	$540.15	$1,750.72	$252,100.27
Jan, 2035	116	$1,207.98	$542.74	$1,750.72	$251,557.53
Feb, 2035	117	$1,205.38	$545.34	$1,750.72	$251,012.19
Mar, 2035	118	$1,202.77	$547.95	$1,750.72	$250,464.24
Apr, 2035	119	$1,200.14	$550.58	$1,750.72	$249,913.66
May, 2035	120	$1,197.50	$553.22	$1,750.72	$249,360.45
Jun, 2035	121	$1,194.85	$555.87	$1,750.72	$248,804.58
Jul, 2035	122	$1,192.19	$558.53	$1,750.72	$248,246.05
Aug, 2035	123	$1,189.51	$561.21	$1,750.72	$247,684.84
Sep, 2035	124	$1,186.82	$563.90	$1,750.72	$247,120.95
Oct, 2035	125	$1,184.12	$566.60	$1,750.72	$246,554.35
Nov, 2035	126	$1,181.41	$569.31	$1,750.72	$245,985.04
Dec, 2035	127	$1,178.68	$572.04	$1,750.72	$245,413.00
Jan, 2036	128	$1,175.94	$574.78	$1,750.72	$244,838.22
Feb, 2036	129	$1,173.18	$577.54	$1,750.72	$244,260.68
Mar, 2036	130	$1,170.42	$580.30	$1,750.72	$243,680.38
Apr, 2036	131	$1,167.64	$583.08	$1,750.72	$243,097.30
May, 2036	132	$1,164.84	$585.88	$1,750.72	$242,511.42
Jun, 2036	133	$1,162.03	$588.68	$1,750.72	$241,922.73
Jul, 2036	134	$1,159.21	$591.51	$1,750.72	$241,331.23
Aug, 2036	135	$1,156.38	$594.34	$1,750.72	$240,736.89
Sep, 2036	136	$1,153.53	$597.19	$1,750.72	$240,139.70
Oct, 2036	137	$1,150.67	$600.05	$1,750.72	$239,539.65
Nov, 2036	138	$1,147.79	$602.92	$1,750.72	$238,936.73
Dec, 2036	139	$1,144.91	$605.81	$1,750.72	$238,330.91
Jan, 2037	140	$1,142.00	$608.72	$1,750.72	$237,722.20
Feb, 2037	141	$1,139.09	$611.63	$1,750.72	$237,110.56
Mar, 2037	142	$1,136.15	$614.56	$1,750.72	$236,496.00
Apr, 2037	143	$1,133.21	$617.51	$1,750.72	$235,878.49
May, 2037	144	$1,130.25	$620.47	$1,750.72	$235,258.02
Jun, 2037	145	$1,127.28	$623.44	$1,750.72	$234,634.58
Jul, 2037	146	$1,124.29	$626.43	$1,750.72	$234,008.16
Aug, 2037	147	$1,121.29	$629.43	$1,750.72	$233,378.73
Sep, 2037	148	$1,118.27	$632.45	$1,750.72	$232,746.28
Oct, 2037	149	$1,115.24	$635.48	$1,750.72	$232,110.81
Nov, 2037	150	$1,112.20	$638.52	$1,750.72	$231,472.28
Dec, 2037	151	$1,109.14	$641.58	$1,750.72	$230,830.70
Jan, 2038	152	$1,106.06	$644.65	$1,750.72	$230,186.05
Feb, 2038	153	$1,102.97	$647.74	$1,750.72	$229,538.31
Mar, 2038	154	$1,099.87	$650.85	$1,750.72	$228,887.46
Apr, 2038	155	$1,096.75	$653.97	$1,750.72	$228,233.49
May, 2038	156	$1,093.62	$657.10	$1,750.72	$227,576.39
Jun, 2038	157	$1,090.47	$660.25	$1,750.72	$226,916.14
Jul, 2038	158	$1,087.31	$663.41	$1,750.72	$226,252.73
Aug, 2038	159	$1,084.13	$666.59	$1,750.72	$225,586.14
Sep, 2038	160	$1,080.93	$669.78	$1,750.72	$224,916.36
Oct, 2038	161	$1,077.72	$672.99	$1,750.72	$224,243.36
Nov, 2038	162	$1,074.50	$676.22	$1,750.72	$223,567.14
Dec, 2038	163	$1,071.26	$679.46	$1,750.72	$222,887.68
Jan, 2039	164	$1,068.00	$682.72	$1,750.72	$222,204.97
Feb, 2039	165	$1,064.73	$685.99	$1,750.72	$221,518.98
Mar, 2039	166	$1,061.45	$689.27	$1,750.72	$220,829.71
Apr, 2039	167	$1,058.14	$692.58	$1,750.72	$220,137.13
May, 2039	168	$1,054.82	$695.89	$1,750.72	$219,441.24
Jun, 2039	169	$1,051.49	$699.23	$1,750.72	$218,742.01
Jul, 2039	170	$1,048.14	$702.58	$1,750.72	$218,039.43
Aug, 2039	171	$1,044.77	$705.95	$1,750.72	$217,333.48
Sep, 2039	172	$1,041.39	$709.33	$1,750.72	$216,624.15
Oct, 2039	173	$1,037.99	$712.73	$1,750.72	$215,911.42
Nov, 2039	174	$1,034.58	$716.14	$1,750.72	$215,195.28
Dec, 2039	175	$1,031.14	$719.57	$1,750.72	$214,475.71
Jan, 2040	176	$1,027.70	$723.02	$1,750.72	$213,752.68
Feb, 2040	177	$1,024.23	$726.49	$1,750.72	$213,026.20
Mar, 2040	178	$1,020.75	$729.97	$1,750.72	$212,296.23
Apr, 2040	179	$1,017.25	$733.47	$1,750.72	$211,562.76
May, 2040	180	$1,013.74	$736.98	$1,750.72	$210,825.78
Jun, 2040	181	$1,010.21	$740.51	$1,750.72	$210,085.27
Jul, 2040	182	$1,006.66	$744.06	$1,750.72	$209,341.21
Aug, 2040	183	$1,003.09	$747.63	$1,750.72	$208,593.59
Sep, 2040	184	$999.51	$751.21	$1,750.72	$207,842.38
Oct, 2040	185	$995.91	$754.81	$1,750.72	$207,087.57
Nov, 2040	186	$992.29	$758.42	$1,750.72	$206,329.15
Dec, 2040	187	$988.66	$762.06	$1,750.72	$205,567.09
Jan, 2041	188	$985.01	$765.71	$1,750.72	$204,801.38
Feb, 2041	189	$981.34	$769.38	$1,750.72	$204,032.00
Mar, 2041	190	$977.65	$773.07	$1,750.72	$203,258.94
Apr, 2041	191	$973.95	$776.77	$1,750.72	$202,482.17
May, 2041	192	$970.23	$780.49	$1,750.72	$201,701.67
Jun, 2041	193	$966.49	$784.23	$1,750.72	$200,917.44
Jul, 2041	194	$962.73	$787.99	$1,750.72	$200,129.45
Aug, 2041	195	$958.95	$791.76	$1,750.72	$199,337.69
Sep, 2041	196	$955.16	$795.56	$1,750.72	$198,542.13
Oct, 2041	197	$951.35	$799.37	$1,750.72	$197,742.76
Nov, 2041	198	$947.52	$803.20	$1,750.72	$196,939.56
Dec, 2041	199	$943.67	$807.05	$1,750.72	$196,132.51
Jan, 2042	200	$939.80	$810.92	$1,750.72	$195,321.59
Feb, 2042	201	$935.92	$814.80	$1,750.72	$194,506.79
Mar, 2042	202	$932.01	$818.71	$1,750.72	$193,688.08
Apr, 2042	203	$928.09	$822.63	$1,750.72	$192,865.45
May, 2042	204	$924.15	$826.57	$1,750.72	$192,038.88
Jun, 2042	205	$920.19	$830.53	$1,750.72	$191,208.35
Jul, 2042	206	$916.21	$834.51	$1,750.72	$190,373.84
Aug, 2042	207	$912.21	$838.51	$1,750.72	$189,535.33
Sep, 2042	208	$908.19	$842.53	$1,750.72	$188,692.80
Oct, 2042	209	$904.15	$846.57	$1,750.72	$187,846.23
Nov, 2042	210	$900.10	$850.62	$1,750.72	$186,995.61
Dec, 2042	211	$896.02	$854.70	$1,750.72	$186,140.91
Jan, 2043	212	$891.93	$858.79	$1,750.72	$185,282.12
Feb, 2043	213	$887.81	$862.91	$1,750.72	$184,419.21
Mar, 2043	214	$883.68	$867.04	$1,750.72	$183,552.17
Apr, 2043	215	$879.52	$871.20	$1,750.72	$182,680.97
May, 2043	216	$875.35	$875.37	$1,750.72	$181,805.60
Jun, 2043	217	$871.15	$879.57	$1,750.72	$180,926.03
Jul, 2043	218	$866.94	$883.78	$1,750.72	$180,042.25
Aug, 2043	219	$862.70	$888.02	$1,750.72	$179,154.23
Sep, 2043	220	$858.45	$892.27	$1,750.72	$178,261.96
Oct, 2043	221	$854.17	$896.55	$1,750.72	$177,365.41
Nov, 2043	222	$849.88	$900.84	$1,750.72	$176,464.57
Dec, 2043	223	$845.56	$905.16	$1,750.72	$175,559.41
Jan, 2044	224	$841.22	$909.50	$1,750.72	$174,649.92
Feb, 2044	225	$836.86	$913.85	$1,750.72	$173,736.06
Mar, 2044	226	$832.49	$918.23	$1,750.72	$172,817.83
Apr, 2044	227	$828.09	$922.63	$1,750.72	$171,895.20
May, 2044	228	$823.66	$927.05	$1,750.72	$170,968.14
Jun, 2044	229	$819.22	$931.50	$1,750.72	$170,036.65
Jul, 2044	230	$814.76	$935.96	$1,750.72	$169,100.69
Aug, 2044	231	$810.27	$940.44	$1,750.72	$168,160.24
Sep, 2044	232	$805.77	$944.95	$1,750.72	$167,215.29
Oct, 2044	233	$801.24	$949.48	$1,750.72	$166,265.81
Nov, 2044	234	$796.69	$954.03	$1,750.72	$165,311.78
Dec, 2044	235	$792.12	$958.60	$1,750.72	$164,353.18
Jan, 2045	236	$787.53	$963.19	$1,750.72	$163,389.99
Feb, 2045	237	$782.91	$967.81	$1,750.72	$162,422.18
Mar, 2045	238	$778.27	$972.45	$1,750.72	$161,449.74
Apr, 2045	239	$773.61	$977.11	$1,750.72	$160,472.63
May, 2045	240	$768.93	$981.79	$1,750.72	$159,490.85
Jun, 2045	241	$764.23	$986.49	$1,750.72	$158,504.35
Jul, 2045	242	$759.50	$991.22	$1,750.72	$157,513.14
Aug, 2045	243	$754.75	$995.97	$1,750.72	$156,517.17
Sep, 2045	244	$749.98	$1,000.74	$1,750.72	$155,516.43
Oct, 2045	245	$745.18	$1,005.54	$1,750.72	$154,510.89
Nov, 2045	246	$740.36	$1,010.35	$1,750.72	$153,500.54
Dec, 2045	247	$735.52	$1,015.20	$1,750.72	$152,485.34
Jan, 2046	248	$730.66	$1,020.06	$1,750.72	$151,465.28
Feb, 2046	249	$725.77	$1,024.95	$1,750.72	$150,440.33
Mar, 2046	250	$720.86	$1,029.86	$1,750.72	$149,410.48
Apr, 2046	251	$715.93	$1,034.79	$1,750.72	$148,375.68
May, 2046	252	$710.97	$1,039.75	$1,750.72	$147,335.93
Jun, 2046	253	$705.98	$1,044.73	$1,750.72	$146,291.20
Jul, 2046	254	$700.98	$1,049.74	$1,750.72	$145,241.46
Aug, 2046	255	$695.95	$1,054.77	$1,750.72	$144,186.69
Sep, 2046	256	$690.89	$1,059.82	$1,750.72	$143,126.86
Oct, 2046	257	$685.82	$1,064.90	$1,750.72	$142,061.96
Nov, 2046	258	$680.71	$1,070.01	$1,750.72	$140,991.96
Dec, 2046	259	$675.59	$1,075.13	$1,750.72	$139,916.82
Jan, 2047	260	$670.43	$1,080.28	$1,750.72	$138,836.54
Feb, 2047	261	$665.26	$1,085.46	$1,750.72	$137,751.08
Mar, 2047	262	$660.06	$1,090.66	$1,750.72	$136,660.42
Apr, 2047	263	$654.83	$1,095.89	$1,750.72	$135,564.53
May, 2047	264	$649.58	$1,101.14	$1,750.72	$134,463.39
Jun, 2047	265	$644.30	$1,106.41	$1,750.72	$133,356.98
Jul, 2047	266	$639.00	$1,111.72	$1,750.72	$132,245.26
Aug, 2047	267	$633.68	$1,117.04	$1,750.72	$131,128.22
Sep, 2047	268	$628.32	$1,122.40	$1,750.72	$130,005.82
Oct, 2047	269	$622.94	$1,127.77	$1,750.72	$128,878.05
Nov, 2047	270	$617.54	$1,133.18	$1,750.72	$127,744.87
Dec, 2047	271	$612.11	$1,138.61	$1,750.72	$126,606.26
Jan, 2048	272	$606.66	$1,144.06	$1,750.72	$125,462.20
Feb, 2048	273	$601.17	$1,149.55	$1,750.72	$124,312.65
Mar, 2048	274	$595.66	$1,155.05	$1,750.72	$123,157.60
Apr, 2048	275	$590.13	$1,160.59	$1,750.72	$121,997.01
May, 2048	276	$584.57	$1,166.15	$1,750.72	$120,830.86
Jun, 2048	277	$578.98	$1,171.74	$1,750.72	$119,659.12
Jul, 2048	278	$573.37	$1,177.35	$1,750.72	$118,481.77
Aug, 2048	279	$567.73	$1,182.99	$1,750.72	$117,298.78
Sep, 2048	280	$562.06	$1,188.66	$1,750.72	$116,110.12
Oct, 2048	281	$556.36	$1,194.36	$1,750.72	$114,915.76
Nov, 2048	282	$550.64	$1,200.08	$1,750.72	$113,715.68
Dec, 2048	283	$544.89	$1,205.83	$1,750.72	$112,509.85
Jan, 2049	284	$539.11	$1,211.61	$1,750.72	$111,298.24
Feb, 2049	285	$533.30	$1,217.41	$1,750.72	$110,080.82
Mar, 2049	286	$527.47	$1,223.25	$1,750.72	$108,857.58
Apr, 2049	287	$521.61	$1,229.11	$1,750.72	$107,628.47
May, 2049	288	$515.72	$1,235.00	$1,750.72	$106,393.47
Jun, 2049	289	$509.80	$1,240.92	$1,750.72	$105,152.55
Jul, 2049	290	$503.86	$1,246.86	$1,750.72	$103,905.69
Aug, 2049	291	$497.88	$1,252.84	$1,750.72	$102,652.85
Sep, 2049	292	$491.88	$1,258.84	$1,750.72	$101,394.01
Oct, 2049	293	$485.85	$1,264.87	$1,750.72	$100,129.14
Nov, 2049	294	$479.79	$1,270.93	$1,750.72	$98,858.21
Dec, 2049	295	$473.70	$1,277.02	$1,750.72	$97,581.18
Jan, 2050	296	$467.58	$1,283.14	$1,750.72	$96,298.04
Feb, 2050	297	$461.43	$1,289.29	$1,750.72	$95,008.75
Mar, 2050	298	$455.25	$1,295.47	$1,750.72	$93,713.28
Apr, 2050	299	$449.04	$1,301.68	$1,750.72	$92,411.61
May, 2050	300	$442.81	$1,307.91	$1,750.72	$91,103.69
Jun, 2050	301	$436.54	$1,314.18	$1,750.72	$89,789.51
Jul, 2050	302	$430.24	$1,320.48	$1,750.72	$88,469.04
Aug, 2050	303	$423.91	$1,326.80	$1,750.72	$87,142.23
Sep, 2050	304	$417.56	$1,333.16	$1,750.72	$85,809.07
Oct, 2050	305	$411.17	$1,339.55	$1,750.72	$84,469.52
Nov, 2050	306	$404.75	$1,345.97	$1,750.72	$83,123.55
Dec, 2050	307	$398.30	$1,352.42	$1,750.72	$81,771.13
Jan, 2051	308	$391.82	$1,358.90	$1,750.72	$80,412.23
Feb, 2051	309	$385.31	$1,365.41	$1,750.72	$79,046.82
Mar, 2051	310	$378.77	$1,371.95	$1,750.72	$77,674.87
Apr, 2051	311	$372.19	$1,378.53	$1,750.72	$76,296.35
May, 2051	312	$365.59	$1,385.13	$1,750.72	$74,911.21
Jun, 2051	313	$358.95	$1,391.77	$1,750.72	$73,519.44
Jul, 2051	314	$352.28	$1,398.44	$1,750.72	$72,121.01
Aug, 2051	315	$345.58	$1,405.14	$1,750.72	$70,715.87
Sep, 2051	316	$338.85	$1,411.87	$1,750.72	$69,304.00
Oct, 2051	317	$332.08	$1,418.64	$1,750.72	$67,885.36
Nov, 2051	318	$325.28	$1,425.43	$1,750.72	$66,459.92
Dec, 2051	319	$318.45	$1,432.26	$1,750.72	$65,027.66
Jan, 2052	320	$311.59	$1,439.13	$1,750.72	$63,588.53
Feb, 2052	321	$304.70	$1,446.02	$1,750.72	$62,142.51
Mar, 2052	322	$297.77	$1,452.95	$1,750.72	$60,689.56
Apr, 2052	323	$290.80	$1,459.91	$1,750.72	$59,229.64
May, 2052	324	$283.81	$1,466.91	$1,750.72	$57,762.73
Jun, 2052	325	$276.78	$1,473.94	$1,750.72	$56,288.79
Jul, 2052	326	$269.72	$1,481.00	$1,750.72	$54,807.79
Aug, 2052	327	$262.62	$1,488.10	$1,750.72	$53,319.69
Sep, 2052	328	$255.49	$1,495.23	$1,750.72	$51,824.47
Oct, 2052	329	$248.33	$1,502.39	$1,750.72	$50,322.07
Nov, 2052	330	$241.13	$1,509.59	$1,750.72	$48,812.48
Dec, 2052	331	$233.89	$1,516.83	$1,750.72	$47,295.66
Jan, 2053	332	$226.63	$1,524.09	$1,750.72	$45,771.56
Feb, 2053	333	$219.32	$1,531.40	$1,750.72	$44,240.17
Mar, 2053	334	$211.98	$1,538.73	$1,750.72	$42,701.43
Apr, 2053	335	$204.61	$1,546.11	$1,750.72	$41,155.32
May, 2053	336	$197.20	$1,553.52	$1,750.72	$39,601.81
Jun, 2053	337	$189.76	$1,560.96	$1,750.72	$38,040.85
Jul, 2053	338	$182.28	$1,568.44	$1,750.72	$36,472.41
Aug, 2053	339	$174.76	$1,575.95	$1,750.72	$34,896.45
Sep, 2053	340	$167.21	$1,583.51	$1,750.72	$33,312.95
Oct, 2053	341	$159.62	$1,591.09	$1,750.72	$31,721.85
Nov, 2053	342	$152.00	$1,598.72	$1,750.72	$30,123.13
Dec, 2053	343	$144.34	$1,606.38	$1,750.72	$28,516.76
Jan, 2054	344	$136.64	$1,614.08	$1,750.72	$26,902.68
Feb, 2054	345	$128.91	$1,621.81	$1,750.72	$25,280.87
Mar, 2054	346	$121.14	$1,629.58	$1,750.72	$23,651.29
Apr, 2054	347	$113.33	$1,637.39	$1,750.72	$22,013.90
May, 2054	348	$105.48	$1,645.24	$1,750.72	$20,368.66
Jun, 2054	349	$97.60	$1,653.12	$1,750.72	$18,715.55
Jul, 2054	350	$89.68	$1,661.04	$1,750.72	$17,054.51
Aug, 2054	351	$81.72	$1,669.00	$1,750.72	$15,385.51
Sep, 2054	352	$73.72	$1,677.00	$1,750.72	$13,708.51
Oct, 2054	353	$65.69	$1,685.03	$1,750.72	$12,023.48
Nov, 2054	354	$57.61	$1,693.11	$1,750.72	$10,330.37
Dec, 2054	355	$49.50	$1,701.22	$1,750.72	$8,629.15
Jan, 2055	356	$41.35	$1,709.37	$1,750.72	$6,919.78
Feb, 2055	357	$33.16	$1,717.56	$1,750.72	$5,202.22
Mar, 2055	358	$24.93	$1,725.79	$1,750.72	$3,476.43
Apr, 2055	359	$16.66	$1,734.06	$1,750.72	$1,742.37
May, 2055	360	$8.35	$1,742.37	$1,750.72	$0.00
Should I Buy Down Interest Rate?
	Without Points	With Points
Monthly Payment	$1,847.15	$1,750.72
Total Interest	$364,974.58	$330,258.68
Total Principal	$300,000.00	$300,000.00
Total Payment	$664,974.58	$630,258.68
Points Costs	$0	$9,000.00
Total Interest Savings	$0	$34,715.89
Total Savings	$0	$25,715.89
Payoff Date	May, 2055	May, 2055

Mortgage Points Break Even Calculator

Each mortgage point costs 1% of the mortgage amount, use our mortgage points break even calculator to find out if it is worth it to buy points for your mortgage, and if it is, how much total interest payments you will save with points and how long does it take to break even.

What are mortgage points?

Mortgage points are discount points that borrowers purchase during the mortgage or refinance process to lower their interest rate. To save money on the life of the loan because of a lower interest rate and monthly payments, many borrowers choose to purchase mortgage points and pay a one-time fee upfront.

How much is a point on a mortgage?

Each mortgage point is 1% of the total mortgage amount that the borrower applies for. For example, if the mortgage amount is $500,000, each mortgage point costs $5,000. If the borrower purchases 3 points, that will cost $15,000. The payment for the discount mortgage points is added to closing costs which the borrower would pay on the closing date.

How many points can you buy on a mortgage?

Most lenders allow their borrowers to purchase anywhere from 1 - 3 discount points for their mortgage. There is no set limit of how many mortgage points you can buy, but it's rare to find lenders that allow borrowers to buy more than 5 points on their mortgages. You will need to check with your lender to see the maximum mortgage points that you can buy if you want to buy the maximum amount of discount points to take advantage of a much lower monthly payment. However, keep track of the numbers because if you have a large mortgage, the costs for mortgage points add up quickly, and your closing costs will be high, make sure you can still afford the closing costs. If you can't afford to pay 1 whole mortgage point, but still want to take advantage of the discount points, many lenders allow you to buy a fraction of a point.

Are mortgage points worth it?

Whether or not mortgage points are worth it depends on your family situation. If you plan to live in your house for a long time and can afford the extra payment upfront, buying mortgage points may be a good idea. However, if you are not planning to stay in the house for more than 3-5 years, then buying mortgage points is not worth it, because you might not breakeven for the mortgage points costs before you move out. You can use our mortgage points calculator to find out how long it takes for you to break even.

Pros and cons of buying points on a mortgage

Pros

• Lower interest rate - Since your interest rate will be lower, you will make lower monthly payments and hence have more money in your pockets every month.


• Lower cost for the mortgage - If you live in the house for more than 10 years on a 30-year term, you will save money on interest payment, and the overall costs.


• Tax-deductible - Just like your mortgage payment, the costs of buying points are also tax-deductible. You will have to talk to your accountant to see how much you can save on taxes.

Cons

• Higher upfront costs - The mortgage points are not cheap, with each point costing 1% of the loan, you will pay a much higher upfront fee.


• Reduces your down payment - If paying for mortgage points cuts down your down payment, you may end up having to pay PMI or private mortgage insurance. The PMI is required if your down payment is less than 20%. You will have to pay the monthly PMI until your equity in the house exceeds 20%.


• May never break even - If you are only going to live in the house for a few years, you may never break even on the costs of your mortgage points.

What is the breakeven point?

The breakeven point occurs when your savings on interest payment exceeds the initial upfront costs that you paid to purchase mortgage points. Depending on how many discount mortgage points you purchase, the breakeven point could be a few years into your mortgage payments. Therefore, if you are not planning to live in the house for the long term, it may not be a good idea to purchase discount points because you may never recoup the costs of buying discount points. Our mortgage discount points calculator will show you exactly when the breakeven point occurs when you enter the interest rate without points, interest rate with points, and the number of discount mortgage points you buy. You will see the total savings at the end of the loan term if you stay in the house for 30 years. You will also get an amortization schedule for the mortgage with and without points so you can compare the difference in payments each month.

What are origination points?

There is a difference between mortgage origination points and mortgage discount points. Discount points allow a borrower to reduce their monthly payments by paying an upfront fee and is tax-deductible, whereas origination points are fees that are charged by lenders to originate the loan. Origination fees are fees added to the closing costs and are paid at closing, these fees are not tax-deductible and they do not reduce your interest rate or monthly payment. Original fees are often negotiable and vary from lender to lender. When a borrower shops around to find a lender, the interest rate should not be the only consideration, they should also compare the loan origination fees and the closing costs the lenders charge and pick the lender that best suits their need.