Mortgage Points Calculator

Mortgage Points Calculator excel to calculate the differences in mortgage payments between buying and not buying mortgage points. Should I buy mortgage points? Use the mortgage discount point calculator to find out how much you can save with points and how long it takes to break even.

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

Cost of Mortgage Points	$9,000.00
Break Even Point:	63 months
Break Even Year:	5.3 years

Discount Point Calculator
Monthly Payment Without Points:			$1,847.15
Monthly Payment With Points:			$1,703.37
Payoff Date:			Aug, 2053
Discount points cost:			$9,000.00
Interest Savings:			$51,762.46
Total Savings:			$42,762.46
Break Even Point:			63 months
Break Even Year:			5.3 years
Amortization Schedule Without Mortgage Points
Payment Date	Payment #	Interest Paid	Principal Paid	Total Payment	Remaining Balance
Sep, 2023	1	$1,562.50	$284.65	$1,847.15	$299,715.35
Oct, 2023	2	$1,561.02	$286.13	$1,847.15	$299,429.21
Nov, 2023	3	$1,559.53	$287.62	$1,847.15	$299,141.59
Dec, 2023	4	$1,558.03	$289.12	$1,847.15	$298,852.47
Jan, 2024	5	$1,556.52	$290.63	$1,847.15	$298,561.84
Feb, 2024	6	$1,555.01	$292.14	$1,847.15	$298,269.70
Mar, 2024	7	$1,553.49	$293.66	$1,847.15	$297,976.03
Apr, 2024	8	$1,551.96	$295.19	$1,847.15	$297,680.84
May, 2024	9	$1,550.42	$296.73	$1,847.15	$297,384.11
Jun, 2024	10	$1,548.88	$298.28	$1,847.15	$297,085.83
Jul, 2024	11	$1,547.32	$299.83	$1,847.15	$296,786.00
Aug, 2024	12	$1,545.76	$301.39	$1,847.15	$296,484.61
Sep, 2024	13	$1,544.19	$302.96	$1,847.15	$296,181.65
Oct, 2024	14	$1,542.61	$304.54	$1,847.15	$295,877.11
Nov, 2024	15	$1,541.03	$306.12	$1,847.15	$295,570.99
Dec, 2024	16	$1,539.43	$307.72	$1,847.15	$295,263.27
Jan, 2025	17	$1,537.83	$309.32	$1,847.15	$294,953.95
Feb, 2025	18	$1,536.22	$310.93	$1,847.15	$294,643.01
Mar, 2025	19	$1,534.60	$312.55	$1,847.15	$294,330.46
Apr, 2025	20	$1,532.97	$314.18	$1,847.15	$294,016.28
May, 2025	21	$1,531.33	$315.82	$1,847.15	$293,700.46
Jun, 2025	22	$1,529.69	$317.46	$1,847.15	$293,383.00
Jul, 2025	23	$1,528.04	$319.12	$1,847.15	$293,063.89
Aug, 2025	24	$1,526.37	$320.78	$1,847.15	$292,743.11
Sep, 2025	25	$1,524.70	$322.45	$1,847.15	$292,420.66
Oct, 2025	26	$1,523.02	$324.13	$1,847.15	$292,096.53
Nov, 2025	27	$1,521.34	$325.82	$1,847.15	$291,770.72
Dec, 2025	28	$1,519.64	$327.51	$1,847.15	$291,443.21
Jan, 2026	29	$1,517.93	$329.22	$1,847.15	$291,113.99
Feb, 2026	30	$1,516.22	$330.93	$1,847.15	$290,783.06
Mar, 2026	31	$1,514.50	$332.66	$1,847.15	$290,450.40
Apr, 2026	32	$1,512.76	$334.39	$1,847.15	$290,116.01
May, 2026	33	$1,511.02	$336.13	$1,847.15	$289,779.88
Jun, 2026	34	$1,509.27	$337.88	$1,847.15	$289,442.00
Jul, 2026	35	$1,507.51	$339.64	$1,847.15	$289,102.36
Aug, 2026	36	$1,505.74	$341.41	$1,847.15	$288,760.95
Sep, 2026	37	$1,503.96	$343.19	$1,847.15	$288,417.76
Oct, 2026	38	$1,502.18	$344.98	$1,847.15	$288,072.78
Nov, 2026	39	$1,500.38	$346.77	$1,847.15	$287,726.01
Dec, 2026	40	$1,498.57	$348.58	$1,847.15	$287,377.43
Jan, 2027	41	$1,496.76	$350.39	$1,847.15	$287,027.04
Feb, 2027	42	$1,494.93	$352.22	$1,847.15	$286,674.82
Mar, 2027	43	$1,493.10	$354.05	$1,847.15	$286,320.76
Apr, 2027	44	$1,491.25	$355.90	$1,847.15	$285,964.87
May, 2027	45	$1,489.40	$357.75	$1,847.15	$285,607.12
Jun, 2027	46	$1,487.54	$359.61	$1,847.15	$285,247.50
Jul, 2027	47	$1,485.66	$361.49	$1,847.15	$284,886.01
Aug, 2027	48	$1,483.78	$363.37	$1,847.15	$284,522.64
Sep, 2027	49	$1,481.89	$365.26	$1,847.15	$284,157.38
Oct, 2027	50	$1,479.99	$367.17	$1,847.15	$283,790.22
Nov, 2027	51	$1,478.07	$369.08	$1,847.15	$283,421.14
Dec, 2027	52	$1,476.15	$371.00	$1,847.15	$283,050.14
Jan, 2028	53	$1,474.22	$372.93	$1,847.15	$282,677.21
Feb, 2028	54	$1,472.28	$374.87	$1,847.15	$282,302.33
Mar, 2028	55	$1,470.32	$376.83	$1,847.15	$281,925.50
Apr, 2028	56	$1,468.36	$378.79	$1,847.15	$281,546.71
May, 2028	57	$1,466.39	$380.76	$1,847.15	$281,165.95
Jun, 2028	58	$1,464.41	$382.75	$1,847.15	$280,783.21
Jul, 2028	59	$1,462.41	$384.74	$1,847.15	$280,398.47
Aug, 2028	60	$1,460.41	$386.74	$1,847.15	$280,011.72
Sep, 2028	61	$1,458.39	$388.76	$1,847.15	$279,622.97
Oct, 2028	62	$1,456.37	$390.78	$1,847.15	$279,232.19
Nov, 2028	63	$1,454.33	$392.82	$1,847.15	$278,839.37
Dec, 2028	64	$1,452.29	$394.86	$1,847.15	$278,444.50
Jan, 2029	65	$1,450.23	$396.92	$1,847.15	$278,047.58
Feb, 2029	66	$1,448.16	$398.99	$1,847.15	$277,648.60
Mar, 2029	67	$1,446.09	$401.07	$1,847.15	$277,247.53
Apr, 2029	68	$1,444.00	$403.15	$1,847.15	$276,844.38
May, 2029	69	$1,441.90	$405.25	$1,847.15	$276,439.12
Jun, 2029	70	$1,439.79	$407.36	$1,847.15	$276,031.76
Jul, 2029	71	$1,437.67	$409.49	$1,847.15	$275,622.27
Aug, 2029	72	$1,435.53	$411.62	$1,847.15	$275,210.66
Sep, 2029	73	$1,433.39	$413.76	$1,847.15	$274,796.89
Oct, 2029	74	$1,431.23	$415.92	$1,847.15	$274,380.97
Nov, 2029	75	$1,429.07	$418.08	$1,847.15	$273,962.89
Dec, 2029	76	$1,426.89	$420.26	$1,847.15	$273,542.63
Jan, 2030	77	$1,424.70	$422.45	$1,847.15	$273,120.18
Feb, 2030	78	$1,422.50	$424.65	$1,847.15	$272,695.53
Mar, 2030	79	$1,420.29	$426.86	$1,847.15	$272,268.67
Apr, 2030	80	$1,418.07	$429.09	$1,847.15	$271,839.58
May, 2030	81	$1,415.83	$431.32	$1,847.15	$271,408.26
Jun, 2030	82	$1,413.58	$433.57	$1,847.15	$270,974.69
Jul, 2030	83	$1,411.33	$435.83	$1,847.15	$270,538.87
Aug, 2030	84	$1,409.06	$438.09	$1,847.15	$270,100.77
Sep, 2030	85	$1,406.77	$440.38	$1,847.15	$269,660.40
Oct, 2030	86	$1,404.48	$442.67	$1,847.15	$269,217.73
Nov, 2030	87	$1,402.18	$444.98	$1,847.15	$268,772.75
Dec, 2030	88	$1,399.86	$447.29	$1,847.15	$268,325.46
Jan, 2031	89	$1,397.53	$449.62	$1,847.15	$267,875.83
Feb, 2031	90	$1,395.19	$451.96	$1,847.15	$267,423.87
Mar, 2031	91	$1,392.83	$454.32	$1,847.15	$266,969.55
Apr, 2031	92	$1,390.47	$456.69	$1,847.15	$266,512.86
May, 2031	93	$1,388.09	$459.06	$1,847.15	$266,053.80
Jun, 2031	94	$1,385.70	$461.45	$1,847.15	$265,592.35
Jul, 2031	95	$1,383.29	$463.86	$1,847.15	$265,128.49
Aug, 2031	96	$1,380.88	$466.27	$1,847.15	$264,662.21
Sep, 2031	97	$1,378.45	$468.70	$1,847.15	$264,193.51
Oct, 2031	98	$1,376.01	$471.14	$1,847.15	$263,722.37
Nov, 2031	99	$1,373.55	$473.60	$1,847.15	$263,248.77
Dec, 2031	100	$1,371.09	$476.06	$1,847.15	$262,772.70
Jan, 2032	101	$1,368.61	$478.54	$1,847.15	$262,294.16
Feb, 2032	102	$1,366.12	$481.04	$1,847.15	$261,813.12
Mar, 2032	103	$1,363.61	$483.54	$1,847.15	$261,329.58
Apr, 2032	104	$1,361.09	$486.06	$1,847.15	$260,843.52
May, 2032	105	$1,358.56	$488.59	$1,847.15	$260,354.93
Jun, 2032	106	$1,356.02	$491.14	$1,847.15	$259,863.80
Jul, 2032	107	$1,353.46	$493.69	$1,847.15	$259,370.10
Aug, 2032	108	$1,350.89	$496.27	$1,847.15	$258,873.84
Sep, 2032	109	$1,348.30	$498.85	$1,847.15	$258,374.98
Oct, 2032	110	$1,345.70	$501.45	$1,847.15	$257,873.54
Nov, 2032	111	$1,343.09	$504.06	$1,847.15	$257,369.48
Dec, 2032	112	$1,340.47	$506.69	$1,847.15	$256,862.79
Jan, 2033	113	$1,337.83	$509.32	$1,847.15	$256,353.47
Feb, 2033	114	$1,335.17	$511.98	$1,847.15	$255,841.49
Mar, 2033	115	$1,332.51	$514.64	$1,847.15	$255,326.84
Apr, 2033	116	$1,329.83	$517.32	$1,847.15	$254,809.52
May, 2033	117	$1,327.13	$520.02	$1,847.15	$254,289.50
Jun, 2033	118	$1,324.42	$522.73	$1,847.15	$253,766.77
Jul, 2033	119	$1,321.70	$525.45	$1,847.15	$253,241.32
Aug, 2033	120	$1,318.97	$528.19	$1,847.15	$252,713.14
Sep, 2033	121	$1,316.21	$530.94	$1,847.15	$252,182.20
Oct, 2033	122	$1,313.45	$533.70	$1,847.15	$251,648.50
Nov, 2033	123	$1,310.67	$536.48	$1,847.15	$251,112.02
Dec, 2033	124	$1,307.88	$539.28	$1,847.15	$250,572.74
Jan, 2034	125	$1,305.07	$542.09	$1,847.15	$250,030.65
Feb, 2034	126	$1,302.24	$544.91	$1,847.15	$249,485.75
Mar, 2034	127	$1,299.40	$547.75	$1,847.15	$248,938.00
Apr, 2034	128	$1,296.55	$550.60	$1,847.15	$248,387.40
May, 2034	129	$1,293.68	$553.47	$1,847.15	$247,833.93
Jun, 2034	130	$1,290.80	$556.35	$1,847.15	$247,277.58
Jul, 2034	131	$1,287.90	$559.25	$1,847.15	$246,718.34
Aug, 2034	132	$1,284.99	$562.16	$1,847.15	$246,156.17
Sep, 2034	133	$1,282.06	$565.09	$1,847.15	$245,591.09
Oct, 2034	134	$1,279.12	$568.03	$1,847.15	$245,023.06
Nov, 2034	135	$1,276.16	$570.99	$1,847.15	$244,452.07
Dec, 2034	136	$1,273.19	$573.96	$1,847.15	$243,878.10
Jan, 2035	137	$1,270.20	$576.95	$1,847.15	$243,301.15
Feb, 2035	138	$1,267.19	$579.96	$1,847.15	$242,721.19
Mar, 2035	139	$1,264.17	$582.98	$1,847.15	$242,138.21
Apr, 2035	140	$1,261.14	$586.02	$1,847.15	$241,552.20
May, 2035	141	$1,258.08	$589.07	$1,847.15	$240,963.13
Jun, 2035	142	$1,255.02	$592.14	$1,847.15	$240,370.99
Jul, 2035	143	$1,251.93	$595.22	$1,847.15	$239,775.77
Aug, 2035	144	$1,248.83	$598.32	$1,847.15	$239,177.46
Sep, 2035	145	$1,245.72	$601.44	$1,847.15	$238,576.02
Oct, 2035	146	$1,242.58	$604.57	$1,847.15	$237,971.45
Nov, 2035	147	$1,239.43	$607.72	$1,847.15	$237,363.73
Dec, 2035	148	$1,236.27	$610.88	$1,847.15	$236,752.85
Jan, 2036	149	$1,233.09	$614.06	$1,847.15	$236,138.79
Feb, 2036	150	$1,229.89	$617.26	$1,847.15	$235,521.53
Mar, 2036	151	$1,226.67	$620.48	$1,847.15	$234,901.05
Apr, 2036	152	$1,223.44	$623.71	$1,847.15	$234,277.34
May, 2036	153	$1,220.19	$626.96	$1,847.15	$233,650.38
Jun, 2036	154	$1,216.93	$630.22	$1,847.15	$233,020.16
Jul, 2036	155	$1,213.65	$633.50	$1,847.15	$232,386.66
Aug, 2036	156	$1,210.35	$636.80	$1,847.15	$231,749.85
Sep, 2036	157	$1,207.03	$640.12	$1,847.15	$231,109.73
Oct, 2036	158	$1,203.70	$643.46	$1,847.15	$230,466.28
Nov, 2036	159	$1,200.35	$646.81	$1,847.15	$229,819.47
Dec, 2036	160	$1,196.98	$650.18	$1,847.15	$229,169.29
Jan, 2037	161	$1,193.59	$653.56	$1,847.15	$228,515.73
Feb, 2037	162	$1,190.19	$656.97	$1,847.15	$227,858.77
Mar, 2037	163	$1,186.76	$660.39	$1,847.15	$227,198.38
Apr, 2037	164	$1,183.32	$663.83	$1,847.15	$226,534.55
May, 2037	165	$1,179.87	$667.28	$1,847.15	$225,867.27
Jun, 2037	166	$1,176.39	$670.76	$1,847.15	$225,196.51
Jul, 2037	167	$1,172.90	$674.25	$1,847.15	$224,522.26
Aug, 2037	168	$1,169.39	$677.76	$1,847.15	$223,844.49
Sep, 2037	169	$1,165.86	$681.29	$1,847.15	$223,163.20
Oct, 2037	170	$1,162.31	$684.84	$1,847.15	$222,478.35
Nov, 2037	171	$1,158.74	$688.41	$1,847.15	$221,789.94
Dec, 2037	172	$1,155.16	$692.00	$1,847.15	$221,097.95
Jan, 2038	173	$1,151.55	$695.60	$1,847.15	$220,402.35
Feb, 2038	174	$1,147.93	$699.22	$1,847.15	$219,703.12
Mar, 2038	175	$1,144.29	$702.86	$1,847.15	$219,000.26
Apr, 2038	176	$1,140.63	$706.53	$1,847.15	$218,293.74
May, 2038	177	$1,136.95	$710.21	$1,847.15	$217,583.53
Jun, 2038	178	$1,133.25	$713.90	$1,847.15	$216,869.63
Jul, 2038	179	$1,129.53	$717.62	$1,847.15	$216,152.00
Aug, 2038	180	$1,125.79	$721.36	$1,847.15	$215,430.64
Sep, 2038	181	$1,122.03	$725.12	$1,847.15	$214,705.53
Oct, 2038	182	$1,118.26	$728.89	$1,847.15	$213,976.63
Nov, 2038	183	$1,114.46	$732.69	$1,847.15	$213,243.94
Dec, 2038	184	$1,110.65	$736.51	$1,847.15	$212,507.44
Jan, 2039	185	$1,106.81	$740.34	$1,847.15	$211,767.10
Feb, 2039	186	$1,102.95	$744.20	$1,847.15	$211,022.90
Mar, 2039	187	$1,099.08	$748.07	$1,847.15	$210,274.82
Apr, 2039	188	$1,095.18	$751.97	$1,847.15	$209,522.85
May, 2039	189	$1,091.26	$755.89	$1,847.15	$208,766.97
Jun, 2039	190	$1,087.33	$759.82	$1,847.15	$208,007.14
Jul, 2039	191	$1,083.37	$763.78	$1,847.15	$207,243.36
Aug, 2039	192	$1,079.39	$767.76	$1,847.15	$206,475.60
Sep, 2039	193	$1,075.39	$771.76	$1,847.15	$205,703.84
Oct, 2039	194	$1,071.37	$775.78	$1,847.15	$204,928.07
Nov, 2039	195	$1,067.33	$779.82	$1,847.15	$204,148.25
Dec, 2039	196	$1,063.27	$783.88	$1,847.15	$203,364.37
Jan, 2040	197	$1,059.19	$787.96	$1,847.15	$202,576.41
Feb, 2040	198	$1,055.09	$792.07	$1,847.15	$201,784.34
Mar, 2040	199	$1,050.96	$796.19	$1,847.15	$200,988.15
Apr, 2040	200	$1,046.81	$800.34	$1,847.15	$200,187.81
May, 2040	201	$1,042.64	$804.51	$1,847.15	$199,383.30
Jun, 2040	202	$1,038.45	$808.70	$1,847.15	$198,574.61
Jul, 2040	203	$1,034.24	$812.91	$1,847.15	$197,761.70
Aug, 2040	204	$1,030.01	$817.14	$1,847.15	$196,944.56
Sep, 2040	205	$1,025.75	$821.40	$1,847.15	$196,123.16
Oct, 2040	206	$1,021.47	$825.68	$1,847.15	$195,297.48
Nov, 2040	207	$1,017.17	$829.98	$1,847.15	$194,467.50
Dec, 2040	208	$1,012.85	$834.30	$1,847.15	$193,633.20
Jan, 2041	209	$1,008.51	$838.65	$1,847.15	$192,794.56
Feb, 2041	210	$1,004.14	$843.01	$1,847.15	$191,951.54
Mar, 2041	211	$999.75	$847.40	$1,847.15	$191,104.14
Apr, 2041	212	$995.33	$851.82	$1,847.15	$190,252.32
May, 2041	213	$990.90	$856.25	$1,847.15	$189,396.07
Jun, 2041	214	$986.44	$860.71	$1,847.15	$188,535.36
Jul, 2041	215	$981.95	$865.20	$1,847.15	$187,670.16
Aug, 2041	216	$977.45	$869.70	$1,847.15	$186,800.46
Sep, 2041	217	$972.92	$874.23	$1,847.15	$185,926.22
Oct, 2041	218	$968.37	$878.79	$1,847.15	$185,047.44
Nov, 2041	219	$963.79	$883.36	$1,847.15	$184,164.07
Dec, 2041	220	$959.19	$887.96	$1,847.15	$183,276.11
Jan, 2042	221	$954.56	$892.59	$1,847.15	$182,383.52
Feb, 2042	222	$949.91	$897.24	$1,847.15	$181,486.29
Mar, 2042	223	$945.24	$901.91	$1,847.15	$180,584.37
Apr, 2042	224	$940.54	$906.61	$1,847.15	$179,677.77
May, 2042	225	$935.82	$911.33	$1,847.15	$178,766.44
Jun, 2042	226	$931.08	$916.08	$1,847.15	$177,850.36
Jul, 2042	227	$926.30	$920.85	$1,847.15	$176,929.51
Aug, 2042	228	$921.51	$925.64	$1,847.15	$176,003.87
Sep, 2042	229	$916.69	$930.46	$1,847.15	$175,073.40
Oct, 2042	230	$911.84	$935.31	$1,847.15	$174,138.09
Nov, 2042	231	$906.97	$940.18	$1,847.15	$173,197.91
Dec, 2042	232	$902.07	$945.08	$1,847.15	$172,252.83
Jan, 2043	233	$897.15	$950.00	$1,847.15	$171,302.83
Feb, 2043	234	$892.20	$954.95	$1,847.15	$170,347.88
Mar, 2043	235	$887.23	$959.92	$1,847.15	$169,387.96
Apr, 2043	236	$882.23	$964.92	$1,847.15	$168,423.04
May, 2043	237	$877.20	$969.95	$1,847.15	$167,453.09
Jun, 2043	238	$872.15	$975.00	$1,847.15	$166,478.09
Jul, 2043	239	$867.07	$980.08	$1,847.15	$165,498.01
Aug, 2043	240	$861.97	$985.18	$1,847.15	$164,512.83
Sep, 2043	241	$856.84	$990.31	$1,847.15	$163,522.51
Oct, 2043	242	$851.68	$995.47	$1,847.15	$162,527.04
Nov, 2043	243	$846.49	$1,000.66	$1,847.15	$161,526.38
Dec, 2043	244	$841.28	$1,005.87	$1,847.15	$160,520.51
Jan, 2044	245	$836.04	$1,011.11	$1,847.15	$159,509.41
Feb, 2044	246	$830.78	$1,016.37	$1,847.15	$158,493.03
Mar, 2044	247	$825.48	$1,021.67	$1,847.15	$157,471.37
Apr, 2044	248	$820.16	$1,026.99	$1,847.15	$156,444.38
May, 2044	249	$814.81	$1,032.34	$1,847.15	$155,412.04
Jun, 2044	250	$809.44	$1,037.71	$1,847.15	$154,374.33
Jul, 2044	251	$804.03	$1,043.12	$1,847.15	$153,331.21
Aug, 2044	252	$798.60	$1,048.55	$1,847.15	$152,282.66
Sep, 2044	253	$793.14	$1,054.01	$1,847.15	$151,228.65
Oct, 2044	254	$787.65	$1,059.50	$1,847.15	$150,169.14
Nov, 2044	255	$782.13	$1,065.02	$1,847.15	$149,104.12
Dec, 2044	256	$776.58	$1,070.57	$1,847.15	$148,033.55
Jan, 2045	257	$771.01	$1,076.14	$1,847.15	$146,957.41
Feb, 2045	258	$765.40	$1,081.75	$1,847.15	$145,875.66
Mar, 2045	259	$759.77	$1,087.38	$1,847.15	$144,788.28
Apr, 2045	260	$754.11	$1,093.05	$1,847.15	$143,695.23
May, 2045	261	$748.41	$1,098.74	$1,847.15	$142,596.50
Jun, 2045	262	$742.69	$1,104.46	$1,847.15	$141,492.03
Jul, 2045	263	$736.94	$1,110.21	$1,847.15	$140,381.82
Aug, 2045	264	$731.16	$1,116.00	$1,847.15	$139,265.82
Sep, 2045	265	$725.34	$1,121.81	$1,847.15	$138,144.01
Oct, 2045	266	$719.50	$1,127.65	$1,847.15	$137,016.36
Nov, 2045	267	$713.63	$1,133.52	$1,847.15	$135,882.84
Dec, 2045	268	$707.72	$1,139.43	$1,847.15	$134,743.41
Jan, 2046	269	$701.79	$1,145.36	$1,847.15	$133,598.05
Feb, 2046	270	$695.82	$1,151.33	$1,847.15	$132,446.72
Mar, 2046	271	$689.83	$1,157.32	$1,847.15	$131,289.39
Apr, 2046	272	$683.80	$1,163.35	$1,847.15	$130,126.04
May, 2046	273	$677.74	$1,169.41	$1,847.15	$128,956.63
Jun, 2046	274	$671.65	$1,175.50	$1,847.15	$127,781.13
Jul, 2046	275	$665.53	$1,181.62	$1,847.15	$126,599.50
Aug, 2046	276	$659.37	$1,187.78	$1,847.15	$125,411.72
Sep, 2046	277	$653.19	$1,193.97	$1,847.15	$124,217.76
Oct, 2046	278	$646.97	$1,200.18	$1,847.15	$123,017.57
Nov, 2046	279	$640.72	$1,206.44	$1,847.15	$121,811.14
Dec, 2046	280	$634.43	$1,212.72	$1,847.15	$120,598.42
Jan, 2047	281	$628.12	$1,219.03	$1,847.15	$119,379.38
Feb, 2047	282	$621.77	$1,225.38	$1,847.15	$118,154.00
Mar, 2047	283	$615.39	$1,231.77	$1,847.15	$116,922.23
Apr, 2047	284	$608.97	$1,238.18	$1,847.15	$115,684.05
May, 2047	285	$602.52	$1,244.63	$1,847.15	$114,439.42
Jun, 2047	286	$596.04	$1,251.11	$1,847.15	$113,188.31
Jul, 2047	287	$589.52	$1,257.63	$1,847.15	$111,930.68
Aug, 2047	288	$582.97	$1,264.18	$1,847.15	$110,666.50
Sep, 2047	289	$576.39	$1,270.76	$1,847.15	$109,395.74
Oct, 2047	290	$569.77	$1,277.38	$1,847.15	$108,118.35
Nov, 2047	291	$563.12	$1,284.04	$1,847.15	$106,834.32
Dec, 2047	292	$556.43	$1,290.72	$1,847.15	$105,543.60
Jan, 2048	293	$549.71	$1,297.45	$1,847.15	$104,246.15
Feb, 2048	294	$542.95	$1,304.20	$1,847.15	$102,941.95
Mar, 2048	295	$536.16	$1,311.00	$1,847.15	$101,630.95
Apr, 2048	296	$529.33	$1,317.82	$1,847.15	$100,313.13
May, 2048	297	$522.46	$1,324.69	$1,847.15	$98,988.44
Jun, 2048	298	$515.56	$1,331.59	$1,847.15	$97,656.85
Jul, 2048	299	$508.63	$1,338.52	$1,847.15	$96,318.33
Aug, 2048	300	$501.66	$1,345.49	$1,847.15	$94,972.84
Sep, 2048	301	$494.65	$1,352.50	$1,847.15	$93,620.34
Oct, 2048	302	$487.61	$1,359.55	$1,847.15	$92,260.79
Nov, 2048	303	$480.52	$1,366.63	$1,847.15	$90,894.17
Dec, 2048	304	$473.41	$1,373.74	$1,847.15	$89,520.42
Jan, 2049	305	$466.25	$1,380.90	$1,847.15	$88,139.52
Feb, 2049	306	$459.06	$1,388.09	$1,847.15	$86,751.43
Mar, 2049	307	$451.83	$1,395.32	$1,847.15	$85,356.11
Apr, 2049	308	$444.56	$1,402.59	$1,847.15	$83,953.52
May, 2049	309	$437.26	$1,409.89	$1,847.15	$82,543.63
Jun, 2049	310	$429.91	$1,417.24	$1,847.15	$81,126.39
Jul, 2049	311	$422.53	$1,424.62	$1,847.15	$79,701.77
Aug, 2049	312	$415.11	$1,432.04	$1,847.15	$78,269.73
Sep, 2049	313	$407.65	$1,439.50	$1,847.15	$76,830.24
Oct, 2049	314	$400.16	$1,446.99	$1,847.15	$75,383.24
Nov, 2049	315	$392.62	$1,454.53	$1,847.15	$73,928.71
Dec, 2049	316	$385.05	$1,462.11	$1,847.15	$72,466.61
Jan, 2050	317	$377.43	$1,469.72	$1,847.15	$70,996.88
Feb, 2050	318	$369.78	$1,477.38	$1,847.15	$69,519.51
Mar, 2050	319	$362.08	$1,485.07	$1,847.15	$68,034.44
Apr, 2050	320	$354.35	$1,492.81	$1,847.15	$66,541.63
May, 2050	321	$346.57	$1,500.58	$1,847.15	$65,041.05
Jun, 2050	322	$338.76	$1,508.40	$1,847.15	$63,532.65
Jul, 2050	323	$330.90	$1,516.25	$1,847.15	$62,016.40
Aug, 2050	324	$323.00	$1,524.15	$1,847.15	$60,492.25
Sep, 2050	325	$315.06	$1,532.09	$1,847.15	$58,960.17
Oct, 2050	326	$307.08	$1,540.07	$1,847.15	$57,420.10
Nov, 2050	327	$299.06	$1,548.09	$1,847.15	$55,872.01
Dec, 2050	328	$291.00	$1,556.15	$1,847.15	$54,315.86
Jan, 2051	329	$282.90	$1,564.26	$1,847.15	$52,751.60
Feb, 2051	330	$274.75	$1,572.40	$1,847.15	$51,179.20
Mar, 2051	331	$266.56	$1,580.59	$1,847.15	$49,598.60
Apr, 2051	332	$258.33	$1,588.83	$1,847.15	$48,009.78
May, 2051	333	$250.05	$1,597.10	$1,847.15	$46,412.68
Jun, 2051	334	$241.73	$1,605.42	$1,847.15	$44,807.26
Jul, 2051	335	$233.37	$1,613.78	$1,847.15	$43,193.48
Aug, 2051	336	$224.97	$1,622.19	$1,847.15	$41,571.29
Sep, 2051	337	$216.52	$1,630.63	$1,847.15	$39,940.66
Oct, 2051	338	$208.02	$1,639.13	$1,847.15	$38,301.53
Nov, 2051	339	$199.49	$1,647.66	$1,847.15	$36,653.87
Dec, 2051	340	$190.91	$1,656.25	$1,847.15	$34,997.62
Jan, 2052	341	$182.28	$1,664.87	$1,847.15	$33,332.75
Feb, 2052	342	$173.61	$1,673.54	$1,847.15	$31,659.20
Mar, 2052	343	$164.89	$1,682.26	$1,847.15	$29,976.94
Apr, 2052	344	$156.13	$1,691.02	$1,847.15	$28,285.92
May, 2052	345	$147.32	$1,699.83	$1,847.15	$26,586.09
Jun, 2052	346	$138.47	$1,708.68	$1,847.15	$24,877.41
Jul, 2052	347	$129.57	$1,717.58	$1,847.15	$23,159.83
Aug, 2052	348	$120.62	$1,726.53	$1,847.15	$21,433.30
Sep, 2052	349	$111.63	$1,735.52	$1,847.15	$19,697.78
Oct, 2052	350	$102.59	$1,744.56	$1,847.15	$17,953.22
Nov, 2052	351	$93.51	$1,753.65	$1,847.15	$16,199.58
Dec, 2052	352	$84.37	$1,762.78	$1,847.15	$14,436.80
Jan, 2053	353	$75.19	$1,771.96	$1,847.15	$12,664.84
Feb, 2053	354	$65.96	$1,781.19	$1,847.15	$10,883.65
Mar, 2053	355	$56.69	$1,790.47	$1,847.15	$9,093.18
Apr, 2053	356	$47.36	$1,799.79	$1,847.15	$7,293.39
May, 2053	357	$37.99	$1,809.17	$1,847.15	$5,484.23
Jun, 2053	358	$28.56	$1,818.59	$1,847.15	$3,665.64
Jul, 2053	359	$19.09	$1,828.06	$1,847.15	$1,837.58
Aug, 2053	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
Sep, 2023	1	$1,375.00	$328.37	$1,703.37	$299,671.63
Oct, 2023	2	$1,373.49	$329.87	$1,703.37	$299,341.76
Nov, 2023	3	$1,371.98	$331.38	$1,703.37	$299,010.38
Dec, 2023	4	$1,370.46	$332.90	$1,703.37	$298,677.47
Jan, 2024	5	$1,368.94	$334.43	$1,703.37	$298,343.05
Feb, 2024	6	$1,367.41	$335.96	$1,703.37	$298,007.08
Mar, 2024	7	$1,365.87	$337.50	$1,703.37	$297,669.58
Apr, 2024	8	$1,364.32	$339.05	$1,703.37	$297,330.54
May, 2024	9	$1,362.76	$340.60	$1,703.37	$296,989.93
Jun, 2024	10	$1,361.20	$342.16	$1,703.37	$296,647.77
Jul, 2024	11	$1,359.64	$343.73	$1,703.37	$296,304.04
Aug, 2024	12	$1,358.06	$345.31	$1,703.37	$295,958.73
Sep, 2024	13	$1,356.48	$346.89	$1,703.37	$295,611.84
Oct, 2024	14	$1,354.89	$348.48	$1,703.37	$295,263.36
Nov, 2024	15	$1,353.29	$350.08	$1,703.37	$294,913.29
Dec, 2024	16	$1,351.69	$351.68	$1,703.37	$294,561.61
Jan, 2025	17	$1,350.07	$353.29	$1,703.37	$294,208.31
Feb, 2025	18	$1,348.45	$354.91	$1,703.37	$293,853.40
Mar, 2025	19	$1,346.83	$356.54	$1,703.37	$293,496.86
Apr, 2025	20	$1,345.19	$358.17	$1,703.37	$293,138.69
May, 2025	21	$1,343.55	$359.81	$1,703.37	$292,778.87
Jun, 2025	22	$1,341.90	$361.46	$1,703.37	$292,417.41
Jul, 2025	23	$1,340.25	$363.12	$1,703.37	$292,054.29
Aug, 2025	24	$1,338.58	$364.78	$1,703.37	$291,689.50
Sep, 2025	25	$1,336.91	$366.46	$1,703.37	$291,323.05
Oct, 2025	26	$1,335.23	$368.14	$1,703.37	$290,954.91
Nov, 2025	27	$1,333.54	$369.82	$1,703.37	$290,585.09
Dec, 2025	28	$1,331.85	$371.52	$1,703.37	$290,213.57
Jan, 2026	29	$1,330.15	$373.22	$1,703.37	$289,840.35
Feb, 2026	30	$1,328.43	$374.93	$1,703.37	$289,465.41
Mar, 2026	31	$1,326.72	$376.65	$1,703.37	$289,088.76
Apr, 2026	32	$1,324.99	$378.38	$1,703.37	$288,710.39
May, 2026	33	$1,323.26	$380.11	$1,703.37	$288,330.28
Jun, 2026	34	$1,321.51	$381.85	$1,703.37	$287,948.42
Jul, 2026	35	$1,319.76	$383.60	$1,703.37	$287,564.82
Aug, 2026	36	$1,318.01	$385.36	$1,703.37	$287,179.46
Sep, 2026	37	$1,316.24	$387.13	$1,703.37	$286,792.33
Oct, 2026	38	$1,314.46	$388.90	$1,703.37	$286,403.43
Nov, 2026	39	$1,312.68	$390.68	$1,703.37	$286,012.74
Dec, 2026	40	$1,310.89	$392.48	$1,703.37	$285,620.27
Jan, 2027	41	$1,309.09	$394.27	$1,703.37	$285,225.99
Feb, 2027	42	$1,307.29	$396.08	$1,703.37	$284,829.91
Mar, 2027	43	$1,305.47	$397.90	$1,703.37	$284,432.02
Apr, 2027	44	$1,303.65	$399.72	$1,703.37	$284,032.30
May, 2027	45	$1,301.81	$401.55	$1,703.37	$283,630.74
Jun, 2027	46	$1,299.97	$403.39	$1,703.37	$283,227.35
Jul, 2027	47	$1,298.13	$405.24	$1,703.37	$282,822.11
Aug, 2027	48	$1,296.27	$407.10	$1,703.37	$282,415.01
Sep, 2027	49	$1,294.40	$408.96	$1,703.37	$282,006.05
Oct, 2027	50	$1,292.53	$410.84	$1,703.37	$281,595.21
Nov, 2027	51	$1,290.64	$412.72	$1,703.37	$281,182.48
Dec, 2027	52	$1,288.75	$414.61	$1,703.37	$280,767.87
Jan, 2028	53	$1,286.85	$416.51	$1,703.37	$280,351.36
Feb, 2028	54	$1,284.94	$418.42	$1,703.37	$279,932.93
Mar, 2028	55	$1,283.03	$420.34	$1,703.37	$279,512.59
Apr, 2028	56	$1,281.10	$422.27	$1,703.37	$279,090.32
May, 2028	57	$1,279.16	$424.20	$1,703.37	$278,666.12
Jun, 2028	58	$1,277.22	$426.15	$1,703.37	$278,239.97
Jul, 2028	59	$1,275.27	$428.10	$1,703.37	$277,811.87
Aug, 2028	60	$1,273.30	$430.06	$1,703.37	$277,381.81
Sep, 2028	61	$1,271.33	$432.03	$1,703.37	$276,949.78
Oct, 2028	62	$1,269.35	$434.01	$1,703.37	$276,515.76
Nov, 2028	63	$1,267.36	$436.00	$1,703.37	$276,079.76
Dec, 2028	64	$1,265.37	$438.00	$1,703.37	$275,641.76
Jan, 2029	65	$1,263.36	$440.01	$1,703.37	$275,201.75
Feb, 2029	66	$1,261.34	$442.03	$1,703.37	$274,759.72
Mar, 2029	67	$1,259.32	$444.05	$1,703.37	$274,315.67
Apr, 2029	68	$1,257.28	$446.09	$1,703.37	$273,869.59
May, 2029	69	$1,255.24	$448.13	$1,703.37	$273,421.45
Jun, 2029	70	$1,253.18	$450.19	$1,703.37	$272,971.27
Jul, 2029	71	$1,251.12	$452.25	$1,703.37	$272,519.02
Aug, 2029	72	$1,249.05	$454.32	$1,703.37	$272,064.70
Sep, 2029	73	$1,246.96	$456.40	$1,703.37	$271,608.29
Oct, 2029	74	$1,244.87	$458.50	$1,703.37	$271,149.80
Nov, 2029	75	$1,242.77	$460.60	$1,703.37	$270,689.20
Dec, 2029	76	$1,240.66	$462.71	$1,703.37	$270,226.49
Jan, 2030	77	$1,238.54	$464.83	$1,703.37	$269,761.66
Feb, 2030	78	$1,236.41	$466.96	$1,703.37	$269,294.71
Mar, 2030	79	$1,234.27	$469.10	$1,703.37	$268,825.61
Apr, 2030	80	$1,232.12	$471.25	$1,703.37	$268,354.36
May, 2030	81	$1,229.96	$473.41	$1,703.37	$267,880.95
Jun, 2030	82	$1,227.79	$475.58	$1,703.37	$267,405.37
Jul, 2030	83	$1,225.61	$477.76	$1,703.37	$266,927.61
Aug, 2030	84	$1,223.42	$479.95	$1,703.37	$266,447.66
Sep, 2030	85	$1,221.22	$482.15	$1,703.37	$265,965.51
Oct, 2030	86	$1,219.01	$484.36	$1,703.37	$265,481.15
Nov, 2030	87	$1,216.79	$486.58	$1,703.37	$264,994.57
Dec, 2030	88	$1,214.56	$488.81	$1,703.37	$264,505.77
Jan, 2031	89	$1,212.32	$491.05	$1,703.37	$264,014.72
Feb, 2031	90	$1,210.07	$493.30	$1,703.37	$263,521.42
Mar, 2031	91	$1,207.81	$495.56	$1,703.37	$263,025.86
Apr, 2031	92	$1,205.54	$497.83	$1,703.37	$262,528.02
May, 2031	93	$1,203.25	$500.11	$1,703.37	$262,027.91
Jun, 2031	94	$1,200.96	$502.41	$1,703.37	$261,525.51
Jul, 2031	95	$1,198.66	$504.71	$1,703.37	$261,020.80
Aug, 2031	96	$1,196.35	$507.02	$1,703.37	$260,513.78
Sep, 2031	97	$1,194.02	$509.35	$1,703.37	$260,004.43
Oct, 2031	98	$1,191.69	$511.68	$1,703.37	$259,492.75
Nov, 2031	99	$1,189.34	$514.03	$1,703.37	$258,978.72
Dec, 2031	100	$1,186.99	$516.38	$1,703.37	$258,462.34
Jan, 2032	101	$1,184.62	$518.75	$1,703.37	$257,943.60
Feb, 2032	102	$1,182.24	$521.13	$1,703.37	$257,422.47
Mar, 2032	103	$1,179.85	$523.51	$1,703.37	$256,898.96
Apr, 2032	104	$1,177.45	$525.91	$1,703.37	$256,373.04
May, 2032	105	$1,175.04	$528.32	$1,703.37	$255,844.72
Jun, 2032	106	$1,172.62	$530.75	$1,703.37	$255,313.97
Jul, 2032	107	$1,170.19	$533.18	$1,703.37	$254,780.80
Aug, 2032	108	$1,167.75	$535.62	$1,703.37	$254,245.17
Sep, 2032	109	$1,165.29	$538.08	$1,703.37	$253,707.10
Oct, 2032	110	$1,162.82	$540.54	$1,703.37	$253,166.55
Nov, 2032	111	$1,160.35	$543.02	$1,703.37	$252,623.53
Dec, 2032	112	$1,157.86	$545.51	$1,703.37	$252,078.02
Jan, 2033	113	$1,155.36	$548.01	$1,703.37	$251,530.02
Feb, 2033	114	$1,152.85	$550.52	$1,703.37	$250,979.49
Mar, 2033	115	$1,150.32	$553.04	$1,703.37	$250,426.45
Apr, 2033	116	$1,147.79	$555.58	$1,703.37	$249,870.87
May, 2033	117	$1,145.24	$558.13	$1,703.37	$249,312.75
Jun, 2033	118	$1,142.68	$560.68	$1,703.37	$248,752.06
Jul, 2033	119	$1,140.11	$563.25	$1,703.37	$248,188.81
Aug, 2033	120	$1,137.53	$565.83	$1,703.37	$247,622.97
Sep, 2033	121	$1,134.94	$568.43	$1,703.37	$247,054.54
Oct, 2033	122	$1,132.33	$571.03	$1,703.37	$246,483.51
Nov, 2033	123	$1,129.72	$573.65	$1,703.37	$245,909.86
Dec, 2033	124	$1,127.09	$576.28	$1,703.37	$245,333.58
Jan, 2034	125	$1,124.45	$578.92	$1,703.37	$244,754.66
Feb, 2034	126	$1,121.79	$581.57	$1,703.37	$244,173.08
Mar, 2034	127	$1,119.13	$584.24	$1,703.37	$243,588.84
Apr, 2034	128	$1,116.45	$586.92	$1,703.37	$243,001.93
May, 2034	129	$1,113.76	$589.61	$1,703.37	$242,412.32
Jun, 2034	130	$1,111.06	$592.31	$1,703.37	$241,820.01
Jul, 2034	131	$1,108.34	$595.03	$1,703.37	$241,224.98
Aug, 2034	132	$1,105.61	$597.75	$1,703.37	$240,627.23
Sep, 2034	133	$1,102.87	$600.49	$1,703.37	$240,026.74
Oct, 2034	134	$1,100.12	$603.24	$1,703.37	$239,423.49
Nov, 2034	135	$1,097.36	$606.01	$1,703.37	$238,817.48
Dec, 2034	136	$1,094.58	$608.79	$1,703.37	$238,208.70
Jan, 2035	137	$1,091.79	$611.58	$1,703.37	$237,597.12
Feb, 2035	138	$1,088.99	$614.38	$1,703.37	$236,982.74
Mar, 2035	139	$1,086.17	$617.20	$1,703.37	$236,365.54
Apr, 2035	140	$1,083.34	$620.02	$1,703.37	$235,745.52
May, 2035	141	$1,080.50	$622.87	$1,703.37	$235,122.65
Jun, 2035	142	$1,077.65	$625.72	$1,703.37	$234,496.93
Jul, 2035	143	$1,074.78	$628.59	$1,703.37	$233,868.34
Aug, 2035	144	$1,071.90	$631.47	$1,703.37	$233,236.87
Sep, 2035	145	$1,069.00	$634.36	$1,703.37	$232,602.50
Oct, 2035	146	$1,066.09	$637.27	$1,703.37	$231,965.23
Nov, 2035	147	$1,063.17	$640.19	$1,703.37	$231,325.04
Dec, 2035	148	$1,060.24	$643.13	$1,703.37	$230,681.91
Jan, 2036	149	$1,057.29	$646.07	$1,703.37	$230,035.84
Feb, 2036	150	$1,054.33	$649.04	$1,703.37	$229,386.80
Mar, 2036	151	$1,051.36	$652.01	$1,703.37	$228,734.79
Apr, 2036	152	$1,048.37	$655.00	$1,703.37	$228,079.79
May, 2036	153	$1,045.37	$658.00	$1,703.37	$227,421.79
Jun, 2036	154	$1,042.35	$661.02	$1,703.37	$226,760.77
Jul, 2036	155	$1,039.32	$664.05	$1,703.37	$226,096.73
Aug, 2036	156	$1,036.28	$667.09	$1,703.37	$225,429.64
Sep, 2036	157	$1,033.22	$670.15	$1,703.37	$224,759.49
Oct, 2036	158	$1,030.15	$673.22	$1,703.37	$224,086.27
Nov, 2036	159	$1,027.06	$676.30	$1,703.37	$223,409.96
Dec, 2036	160	$1,023.96	$679.40	$1,703.37	$222,730.56
Jan, 2037	161	$1,020.85	$682.52	$1,703.37	$222,048.04
Feb, 2037	162	$1,017.72	$685.65	$1,703.37	$221,362.39
Mar, 2037	163	$1,014.58	$688.79	$1,703.37	$220,673.60
Apr, 2037	164	$1,011.42	$691.95	$1,703.37	$219,981.66
May, 2037	165	$1,008.25	$695.12	$1,703.37	$219,286.54
Jun, 2037	166	$1,005.06	$698.30	$1,703.37	$218,588.24
Jul, 2037	167	$1,001.86	$701.50	$1,703.37	$217,886.73
Aug, 2037	168	$998.65	$704.72	$1,703.37	$217,182.01
Sep, 2037	169	$995.42	$707.95	$1,703.37	$216,474.06
Oct, 2037	170	$992.17	$711.19	$1,703.37	$215,762.87
Nov, 2037	171	$988.91	$714.45	$1,703.37	$215,048.42
Dec, 2037	172	$985.64	$717.73	$1,703.37	$214,330.69
Jan, 2038	173	$982.35	$721.02	$1,703.37	$213,609.67
Feb, 2038	174	$979.04	$724.32	$1,703.37	$212,885.35
Mar, 2038	175	$975.72	$727.64	$1,703.37	$212,157.70
Apr, 2038	176	$972.39	$730.98	$1,703.37	$211,426.73
May, 2038	177	$969.04	$734.33	$1,703.37	$210,692.40
Jun, 2038	178	$965.67	$737.69	$1,703.37	$209,954.70
Jul, 2038	179	$962.29	$741.07	$1,703.37	$209,213.63
Aug, 2038	180	$958.90	$744.47	$1,703.37	$208,469.16
Sep, 2038	181	$955.48	$747.88	$1,703.37	$207,721.28
Oct, 2038	182	$952.06	$751.31	$1,703.37	$206,969.96
Nov, 2038	183	$948.61	$754.75	$1,703.37	$206,215.21
Dec, 2038	184	$945.15	$758.21	$1,703.37	$205,457.00
Jan, 2039	185	$941.68	$761.69	$1,703.37	$204,695.31
Feb, 2039	186	$938.19	$765.18	$1,703.37	$203,930.13
Mar, 2039	187	$934.68	$768.69	$1,703.37	$203,161.44
Apr, 2039	188	$931.16	$772.21	$1,703.37	$202,389.23
May, 2039	189	$927.62	$775.75	$1,703.37	$201,613.48
Jun, 2039	190	$924.06	$779.31	$1,703.37	$200,834.17
Jul, 2039	191	$920.49	$782.88	$1,703.37	$200,051.30
Aug, 2039	192	$916.90	$786.47	$1,703.37	$199,264.83
Sep, 2039	193	$913.30	$790.07	$1,703.37	$198,474.76
Oct, 2039	194	$909.68	$793.69	$1,703.37	$197,681.07
Nov, 2039	195	$906.04	$797.33	$1,703.37	$196,883.74
Dec, 2039	196	$902.38	$800.98	$1,703.37	$196,082.76
Jan, 2040	197	$898.71	$804.65	$1,703.37	$195,278.10
Feb, 2040	198	$895.02	$808.34	$1,703.37	$194,469.76
Mar, 2040	199	$891.32	$812.05	$1,703.37	$193,657.71
Apr, 2040	200	$887.60	$815.77	$1,703.37	$192,841.95
May, 2040	201	$883.86	$819.51	$1,703.37	$192,022.44
Jun, 2040	202	$880.10	$823.26	$1,703.37	$191,199.17
Jul, 2040	203	$876.33	$827.04	$1,703.37	$190,372.14
Aug, 2040	204	$872.54	$830.83	$1,703.37	$189,541.31
Sep, 2040	205	$868.73	$834.64	$1,703.37	$188,706.67
Oct, 2040	206	$864.91	$838.46	$1,703.37	$187,868.21
Nov, 2040	207	$861.06	$842.30	$1,703.37	$187,025.91
Dec, 2040	208	$857.20	$846.16	$1,703.37	$186,179.74
Jan, 2041	209	$853.32	$850.04	$1,703.37	$185,329.70
Feb, 2041	210	$849.43	$853.94	$1,703.37	$184,475.76
Mar, 2041	211	$845.51	$857.85	$1,703.37	$183,617.91
Apr, 2041	212	$841.58	$861.78	$1,703.37	$182,756.12
May, 2041	213	$837.63	$865.73	$1,703.37	$181,890.39
Jun, 2041	214	$833.66	$869.70	$1,703.37	$181,020.68
Jul, 2041	215	$829.68	$873.69	$1,703.37	$180,146.99
Aug, 2041	216	$825.67	$877.69	$1,703.37	$179,269.30
Sep, 2041	217	$821.65	$881.72	$1,703.37	$178,387.58
Oct, 2041	218	$817.61	$885.76	$1,703.37	$177,501.83
Nov, 2041	219	$813.55	$889.82	$1,703.37	$176,612.01
Dec, 2041	220	$809.47	$893.90	$1,703.37	$175,718.12
Jan, 2042	221	$805.37	$897.99	$1,703.37	$174,820.12
Feb, 2042	222	$801.26	$902.11	$1,703.37	$173,918.01
Mar, 2042	223	$797.12	$906.24	$1,703.37	$173,011.77
Apr, 2042	224	$792.97	$910.40	$1,703.37	$172,101.38
May, 2042	225	$788.80	$914.57	$1,703.37	$171,186.81
Jun, 2042	226	$784.61	$918.76	$1,703.37	$170,268.05
Jul, 2042	227	$780.40	$922.97	$1,703.37	$169,345.07
Aug, 2042	228	$776.16	$927.20	$1,703.37	$168,417.87
Sep, 2042	229	$771.92	$931.45	$1,703.37	$167,486.42
Oct, 2042	230	$767.65	$935.72	$1,703.37	$166,550.70
Nov, 2042	231	$763.36	$940.01	$1,703.37	$165,610.69
Dec, 2042	232	$759.05	$944.32	$1,703.37	$164,666.37
Jan, 2043	233	$754.72	$948.65	$1,703.37	$163,717.73
Feb, 2043	234	$750.37	$952.99	$1,703.37	$162,764.73
Mar, 2043	235	$746.01	$957.36	$1,703.37	$161,807.37
Apr, 2043	236	$741.62	$961.75	$1,703.37	$160,845.62
May, 2043	237	$737.21	$966.16	$1,703.37	$159,879.46
Jun, 2043	238	$732.78	$970.59	$1,703.37	$158,908.88
Jul, 2043	239	$728.33	$975.03	$1,703.37	$157,933.84
Aug, 2043	240	$723.86	$979.50	$1,703.37	$156,954.34
Sep, 2043	241	$719.37	$983.99	$1,703.37	$155,970.34
Oct, 2043	242	$714.86	$988.50	$1,703.37	$154,981.84
Nov, 2043	243	$710.33	$993.03	$1,703.37	$153,988.81
Dec, 2043	244	$705.78	$997.58	$1,703.37	$152,991.22
Jan, 2044	245	$701.21	$1,002.16	$1,703.37	$151,989.07
Feb, 2044	246	$696.62	$1,006.75	$1,703.37	$150,982.32
Mar, 2044	247	$692.00	$1,011.36	$1,703.37	$149,970.95
Apr, 2044	248	$687.37	$1,016.00	$1,703.37	$148,954.95
May, 2044	249	$682.71	$1,020.66	$1,703.37	$147,934.29
Jun, 2044	250	$678.03	$1,025.33	$1,703.37	$146,908.96
Jul, 2044	251	$673.33	$1,030.03	$1,703.37	$145,878.92
Aug, 2044	252	$668.61	$1,034.76	$1,703.37	$144,844.17
Sep, 2044	253	$663.87	$1,039.50	$1,703.37	$143,804.67
Oct, 2044	254	$659.10	$1,044.26	$1,703.37	$142,760.41
Nov, 2044	255	$654.32	$1,049.05	$1,703.37	$141,711.36
Dec, 2044	256	$649.51	$1,053.86	$1,703.37	$140,657.50
Jan, 2045	257	$644.68	$1,058.69	$1,703.37	$139,598.82
Feb, 2045	258	$639.83	$1,063.54	$1,703.37	$138,535.28
Mar, 2045	259	$634.95	$1,068.41	$1,703.37	$137,466.86
Apr, 2045	260	$630.06	$1,073.31	$1,703.37	$136,393.55
May, 2045	261	$625.14	$1,078.23	$1,703.37	$135,315.32
Jun, 2045	262	$620.20	$1,083.17	$1,703.37	$134,232.15
Jul, 2045	263	$615.23	$1,088.14	$1,703.37	$133,144.02
Aug, 2045	264	$610.24	$1,093.12	$1,703.37	$132,050.89
Sep, 2045	265	$605.23	$1,098.13	$1,703.37	$130,952.76
Oct, 2045	266	$600.20	$1,103.17	$1,703.37	$129,849.59
Nov, 2045	267	$595.14	$1,108.22	$1,703.37	$128,741.37
Dec, 2045	268	$590.06	$1,113.30	$1,703.37	$127,628.07
Jan, 2046	269	$584.96	$1,118.41	$1,703.37	$126,509.66
Feb, 2046	270	$579.84	$1,123.53	$1,703.37	$125,386.13
Mar, 2046	271	$574.69	$1,128.68	$1,703.37	$124,257.45
Apr, 2046	272	$569.51	$1,133.85	$1,703.37	$123,123.60
May, 2046	273	$564.32	$1,139.05	$1,703.37	$121,984.55
Jun, 2046	274	$559.10	$1,144.27	$1,703.37	$120,840.27
Jul, 2046	275	$553.85	$1,149.52	$1,703.37	$119,690.76
Aug, 2046	276	$548.58	$1,154.78	$1,703.37	$118,535.97
Sep, 2046	277	$543.29	$1,160.08	$1,703.37	$117,375.90
Oct, 2046	278	$537.97	$1,165.39	$1,703.37	$116,210.50
Nov, 2046	279	$532.63	$1,170.74	$1,703.37	$115,039.77
Dec, 2046	280	$527.27	$1,176.10	$1,703.37	$113,863.67
Jan, 2047	281	$521.88	$1,181.49	$1,703.37	$112,682.17
Feb, 2047	282	$516.46	$1,186.91	$1,703.37	$111,495.27
Mar, 2047	283	$511.02	$1,192.35	$1,703.37	$110,302.92
Apr, 2047	284	$505.56	$1,197.81	$1,703.37	$109,105.11
May, 2047	285	$500.07	$1,203.30	$1,703.37	$107,901.81
Jun, 2047	286	$494.55	$1,208.82	$1,703.37	$106,692.99
Jul, 2047	287	$489.01	$1,214.36	$1,703.37	$105,478.63
Aug, 2047	288	$483.44	$1,219.92	$1,703.37	$104,258.71
Sep, 2047	289	$477.85	$1,225.51	$1,703.37	$103,033.19
Oct, 2047	290	$472.24	$1,231.13	$1,703.37	$101,802.06
Nov, 2047	291	$466.59	$1,236.77	$1,703.37	$100,565.29
Dec, 2047	292	$460.92	$1,242.44	$1,703.37	$99,322.85
Jan, 2048	293	$455.23	$1,248.14	$1,703.37	$98,074.71
Feb, 2048	294	$449.51	$1,253.86	$1,703.37	$96,820.85
Mar, 2048	295	$443.76	$1,259.60	$1,703.37	$95,561.25
Apr, 2048	296	$437.99	$1,265.38	$1,703.37	$94,295.87
May, 2048	297	$432.19	$1,271.18	$1,703.37	$93,024.69
Jun, 2048	298	$426.36	$1,277.00	$1,703.37	$91,747.69
Jul, 2048	299	$420.51	$1,282.86	$1,703.37	$90,464.83
Aug, 2048	300	$414.63	$1,288.74	$1,703.37	$89,176.09
Sep, 2048	301	$408.72	$1,294.64	$1,703.37	$87,881.45
Oct, 2048	302	$402.79	$1,300.58	$1,703.37	$86,580.87
Nov, 2048	303	$396.83	$1,306.54	$1,703.37	$85,274.33
Dec, 2048	304	$390.84	$1,312.53	$1,703.37	$83,961.81
Jan, 2049	305	$384.82	$1,318.54	$1,703.37	$82,643.27
Feb, 2049	306	$378.78	$1,324.59	$1,703.37	$81,318.68
Mar, 2049	307	$372.71	$1,330.66	$1,703.37	$79,988.02
Apr, 2049	308	$366.61	$1,336.76	$1,703.37	$78,651.27
May, 2049	309	$360.48	$1,342.88	$1,703.37	$77,308.39
Jun, 2049	310	$354.33	$1,349.04	$1,703.37	$75,959.35
Jul, 2049	311	$348.15	$1,355.22	$1,703.37	$74,604.13
Aug, 2049	312	$341.94	$1,361.43	$1,703.37	$73,242.70
Sep, 2049	313	$335.70	$1,367.67	$1,703.37	$71,875.03
Oct, 2049	314	$329.43	$1,373.94	$1,703.37	$70,501.09
Nov, 2049	315	$323.13	$1,380.24	$1,703.37	$69,120.85
Dec, 2049	316	$316.80	$1,386.56	$1,703.37	$67,734.29
Jan, 2050	317	$310.45	$1,392.92	$1,703.37	$66,341.37
Feb, 2050	318	$304.06	$1,399.30	$1,703.37	$64,942.07
Mar, 2050	319	$297.65	$1,405.72	$1,703.37	$63,536.35
Apr, 2050	320	$291.21	$1,412.16	$1,703.37	$62,124.19
May, 2050	321	$284.74	$1,418.63	$1,703.37	$60,705.56
Jun, 2050	322	$278.23	$1,425.13	$1,703.37	$59,280.43
Jul, 2050	323	$271.70	$1,431.67	$1,703.37	$57,848.76
Aug, 2050	324	$265.14	$1,438.23	$1,703.37	$56,410.54
Sep, 2050	325	$258.55	$1,444.82	$1,703.37	$54,965.72
Oct, 2050	326	$251.93	$1,451.44	$1,703.37	$53,514.28
Nov, 2050	327	$245.27	$1,458.09	$1,703.37	$52,056.18
Dec, 2050	328	$238.59	$1,464.78	$1,703.37	$50,591.41
Jan, 2051	329	$231.88	$1,471.49	$1,703.37	$49,119.92
Feb, 2051	330	$225.13	$1,478.23	$1,703.37	$47,641.68
Mar, 2051	331	$218.36	$1,485.01	$1,703.37	$46,156.67
Apr, 2051	332	$211.55	$1,491.82	$1,703.37	$44,664.86
May, 2051	333	$204.71	$1,498.65	$1,703.37	$43,166.21
Jun, 2051	334	$197.85	$1,505.52	$1,703.37	$41,660.68
Jul, 2051	335	$190.94	$1,512.42	$1,703.37	$40,148.26
Aug, 2051	336	$184.01	$1,519.35	$1,703.37	$38,628.91
Sep, 2051	337	$177.05	$1,526.32	$1,703.37	$37,102.59
Oct, 2051	338	$170.05	$1,533.31	$1,703.37	$35,569.28
Nov, 2051	339	$163.03	$1,540.34	$1,703.37	$34,028.93
Dec, 2051	340	$155.97	$1,547.40	$1,703.37	$32,481.53
Jan, 2052	341	$148.87	$1,554.49	$1,703.37	$30,927.04
Feb, 2052	342	$141.75	$1,561.62	$1,703.37	$29,365.42
Mar, 2052	343	$134.59	$1,568.78	$1,703.37	$27,796.65
Apr, 2052	344	$127.40	$1,575.97	$1,703.37	$26,220.68
May, 2052	345	$120.18	$1,583.19	$1,703.37	$24,637.49
Jun, 2052	346	$112.92	$1,590.45	$1,703.37	$23,047.05
Jul, 2052	347	$105.63	$1,597.73	$1,703.37	$21,449.31
Aug, 2052	348	$98.31	$1,605.06	$1,703.37	$19,844.25
Sep, 2052	349	$90.95	$1,612.41	$1,703.37	$18,231.84
Oct, 2052	350	$83.56	$1,619.80	$1,703.37	$16,612.04
Nov, 2052	351	$76.14	$1,627.23	$1,703.37	$14,984.81
Dec, 2052	352	$68.68	$1,634.69	$1,703.37	$13,350.12
Jan, 2053	353	$61.19	$1,642.18	$1,703.37	$11,707.94
Feb, 2053	354	$53.66	$1,649.71	$1,703.37	$10,058.24
Mar, 2053	355	$46.10	$1,657.27	$1,703.37	$8,400.97
Apr, 2053	356	$38.50	$1,664.86	$1,703.37	$6,736.11
May, 2053	357	$30.87	$1,672.49	$1,703.37	$5,063.61
Jun, 2053	358	$23.21	$1,680.16	$1,703.37	$3,383.46
Jul, 2053	359	$15.51	$1,687.86	$1,703.37	$1,695.60
Aug, 2053	360	$7.77	$1,695.60	$1,703.37	$0.00
Should I Buy Mortgage Points?
	Without Points	With Points
Monthly Payment	$1,847.15	$1,703.37
Total Interest	$364,974.58	$313,212.12
Total Principal	$300,000.00	$300,000.00
Total Payment	$664,974.58	$613,212.12
Points Costs	$0	$9,000.00
Total Interest Savings	$0	$51,762.46
Total Savings	$0	$42,762.46
Payoff Date	Aug, 2053	Aug, 2053

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.

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