Calculator

Mortgage Points Calculator

Calculate the upfront dollar cost of mortgage discount points.

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This calculator applies the displayed mortgage formula directly to your inputs. It keeps full precision during the calculation and rounds only the displayed result.

Mortgage Points formulaPoint cost = loan amount × points ÷ 100

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Using the default example values, the calculator substitutes 320,000 and 1 into the formula. Change the values to model your own scenario.

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  • The values entered for loan amount and points purchased are accurate for the scenario.
  • Rates and recurring amounts remain constant for the period represented by the formula.
  • Provider fees, taxes and timing differences are excluded unless they are explicit inputs.