Option 1: Larger Down Payment (No Points)
Down Payment
$0
Loan Amount
$0
Monthly Payment
$0
Total Interest (Expected Period)
$0
Option 2: Smaller Down + Discount Points
Down Payment
$0
Points Cost
$0
Reduced Interest Rate
0%
Monthly Payment
$0
Total Interest (Expected Period)
$0
Break-Even Period
0 months
How to Use Mortgage Points vs Down Payment Calculator
- Provide home price, available cash, and current interest rate
- Adjust points and expected homeownership duration for accurate comparison
- Compare side-by-side results to determine optimal cash allocation strategy