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| Points (%) | Rate buydown (%) | Actions |
|---|---|---|
All calculations are done locally in your browser.
Points are upfront fees you pay to reduce your interest rate. One point typically equals 1% of the loan amount.
If you’ll keep the loan long enough for monthly savings to exceed the upfront cost. This tool estimates the break-even timeline.
In some cases, yes—subject to tax rules and your situation. Consult a tax professional; this tool does not provide tax advice.
Explore Refinance Break-Even, Mortgage Calculator, and ARM vs Fixed for a complete rate strategy.