Mortgage Points Calculator

Mortgage Points Calculator

Calculate the upfront dollar cost of mortgage discount points.

MALAMALAMA KI TE TALI

E fuafua pefea te mea tenei?

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

He fakaaogāga moni

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

Tali ne fuafua

Aofaki nonogatupePoints purchasedTali ne fuafua
$256,000.001%$2,560.00
$320,000.001%$3,200.00
$384,000.001%$3,840.00

Nā manatu, fakamatala ma nā hē mahani

Nā manatu o te fuafuaga

  • 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.

Auala ke fakamatala te tali

  • Treat the main number as a planning estimate, not a quote, approval or guarantee.
  • Compare at least a baseline, lower and higher assumption before deciding.
  • Use the result together with the related mortgage calculators for a broader view.

Nā hē mahani ke kalo kehe mai ai

  • Entering a percentage as a decimal when the field expects a whole percent.
  • Comparing results that use different time periods or omit different fees.
  • Rounding inputs early or treating an estimated rate as guaranteed.