Online Calculators > Financial Calculators > Mortgage Points Calculator

# Mortgage Points Calculator

Mortgage Points Calculator to calculate how much you can save in interest payments by buying mortgage points. Should I buy mortgage points calculator will show you when you can break even with the money that you use to purchase mortgage points.

## Mortgage Points Break Even Calculator

Mortgage Amount
\$
Interest Rate
Loan Terms
years
# of Points
Interest Rate with Points

### Mortgage Points Calculator Results

Monthly Payment Without Points:
\$2,387.08
Monthly Payment With Points:
\$2,245.22
Payoff Date:
Aug, 2054
Discount points cost:
\$10,000.00
Interest Savings:
\$51,067.09
Total Savings:
\$41,067.09
Break Even Point:
71 months
Break Even Year:
5.9 years

### Amortization Schedule Without Points

Payment Date Payment # Interest Paid Principal Paid Total Payment Remaining Balance
Sep, 2024 1 \$1,666.67 \$720.41 \$2,387.08 \$499,279.59
Oct, 2024 2 \$1,664.27 \$722.81 \$2,387.08 \$498,556.78
Nov, 2024 3 \$1,661.86 \$725.22 \$2,387.08 \$497,831.56
Dec, 2024 4 \$1,659.44 \$727.64 \$2,387.08 \$497,103.92
Jan, 2025 5 \$1,657.01 \$730.06 \$2,387.08 \$496,373.86
Feb, 2025 6 \$1,654.58 \$732.50 \$2,387.08 \$495,641.36
Mar, 2025 7 \$1,652.14 \$734.94 \$2,387.08 \$494,906.42
Apr, 2025 8 \$1,649.69 \$737.39 \$2,387.08 \$494,169.03
May, 2025 9 \$1,647.23 \$739.85 \$2,387.08 \$493,429.19
Jun, 2025 10 \$1,644.76 \$742.31 \$2,387.08 \$492,686.87
Jul, 2025 11 \$1,642.29 \$744.79 \$2,387.08 \$491,942.09
Aug, 2025 12 \$1,639.81 \$747.27 \$2,387.08 \$491,194.82
Sep, 2025 13 \$1,637.32 \$749.76 \$2,387.08 \$490,445.06
Oct, 2025 14 \$1,634.82 \$752.26 \$2,387.08 \$489,692.80
Nov, 2025 15 \$1,632.31 \$754.77 \$2,387.08 \$488,938.03
Dec, 2025 16 \$1,629.79 \$757.28 \$2,387.08 \$488,180.75
Jan, 2026 17 \$1,627.27 \$759.81 \$2,387.08 \$487,420.94
Feb, 2026 18 \$1,624.74 \$762.34 \$2,387.08 \$486,658.60
Mar, 2026 19 \$1,622.20 \$764.88 \$2,387.08 \$485,893.72
Apr, 2026 20 \$1,619.65 \$767.43 \$2,387.08 \$485,126.29
May, 2026 21 \$1,617.09 \$769.99 \$2,387.08 \$484,356.30
Jun, 2026 22 \$1,614.52 \$772.56 \$2,387.08 \$483,583.74
Jul, 2026 23 \$1,611.95 \$775.13 \$2,387.08 \$482,808.61
Aug, 2026 24 \$1,609.36 \$777.71 \$2,387.08 \$482,030.90
Sep, 2026 25 \$1,606.77 \$780.31 \$2,387.08 \$481,250.59
Oct, 2026 26 \$1,604.17 \$782.91 \$2,387.08 \$480,467.68
Nov, 2026 27 \$1,601.56 \$785.52 \$2,387.08 \$479,682.17
Dec, 2026 28 \$1,598.94 \$788.14 \$2,387.08 \$478,894.03
Jan, 2027 29 \$1,596.31 \$790.76 \$2,387.08 \$478,103.27
Feb, 2027 30 \$1,593.68 \$793.40 \$2,387.08 \$477,309.87
Mar, 2027 31 \$1,591.03 \$796.04 \$2,387.08 \$476,513.83
Apr, 2027 32 \$1,588.38 \$798.70 \$2,387.08 \$475,715.13
May, 2027 33 \$1,585.72 \$801.36 \$2,387.08 \$474,913.77
Jun, 2027 34 \$1,583.05 \$804.03 \$2,387.08 \$474,109.74
Jul, 2027 35 \$1,580.37 \$806.71 \$2,387.08 \$473,303.03
Aug, 2027 36 \$1,577.68 \$809.40 \$2,387.08 \$472,493.63
Sep, 2027 37 \$1,574.98 \$812.10 \$2,387.08 \$471,681.53
Oct, 2027 38 \$1,572.27 \$814.80 \$2,387.08 \$470,866.73
Nov, 2027 39 \$1,569.56 \$817.52 \$2,387.08 \$470,049.20
Dec, 2027 40 \$1,566.83 \$820.25 \$2,387.08 \$469,228.96
Jan, 2028 41 \$1,564.10 \$822.98 \$2,387.08 \$468,405.98
Feb, 2028 42 \$1,561.35 \$825.72 \$2,387.08 \$467,580.26
Mar, 2028 43 \$1,558.60 \$828.48 \$2,387.08 \$466,751.78
Apr, 2028 44 \$1,555.84 \$831.24 \$2,387.08 \$465,920.54
May, 2028 45 \$1,553.07 \$834.01 \$2,387.08 \$465,086.53
Jun, 2028 46 \$1,550.29 \$836.79 \$2,387.08 \$464,249.75
Jul, 2028 47 \$1,547.50 \$839.58 \$2,387.08 \$463,410.17
Aug, 2028 48 \$1,544.70 \$842.38 \$2,387.08 \$462,567.79
Sep, 2028 49 \$1,541.89 \$845.18 \$2,387.08 \$461,722.61
Oct, 2028 50 \$1,539.08 \$848.00 \$2,387.08 \$460,874.61
Nov, 2028 51 \$1,536.25 \$850.83 \$2,387.08 \$460,023.78
Dec, 2028 52 \$1,533.41 \$853.66 \$2,387.08 \$459,170.12
Jan, 2029 53 \$1,530.57 \$856.51 \$2,387.08 \$458,313.61
Feb, 2029 54 \$1,527.71 \$859.36 \$2,387.08 \$457,454.24
Mar, 2029 55 \$1,524.85 \$862.23 \$2,387.08 \$456,592.01
Apr, 2029 56 \$1,521.97 \$865.10 \$2,387.08 \$455,726.91
May, 2029 57 \$1,519.09 \$867.99 \$2,387.08 \$454,858.92
Jun, 2029 58 \$1,516.20 \$870.88 \$2,387.08 \$453,988.04
Jul, 2029 59 \$1,513.29 \$873.78 \$2,387.08 \$453,114.26
Aug, 2029 60 \$1,510.38 \$876.70 \$2,387.08 \$452,237.57
Sep, 2029 61 \$1,507.46 \$879.62 \$2,387.08 \$451,357.95
Oct, 2029 62 \$1,504.53 \$882.55 \$2,387.08 \$450,475.40
Nov, 2029 63 \$1,501.58 \$885.49 \$2,387.08 \$449,589.91
Dec, 2029 64 \$1,498.63 \$888.44 \$2,387.08 \$448,701.46
Jan, 2030 65 \$1,495.67 \$891.40 \$2,387.08 \$447,810.06
Feb, 2030 66 \$1,492.70 \$894.38 \$2,387.08 \$446,915.68
Mar, 2030 67 \$1,489.72 \$897.36 \$2,387.08 \$446,018.32
Apr, 2030 68 \$1,486.73 \$900.35 \$2,387.08 \$445,117.98
May, 2030 69 \$1,483.73 \$903.35 \$2,387.08 \$444,214.63
Jun, 2030 70 \$1,480.72 \$906.36 \$2,387.08 \$443,308.26
Jul, 2030 71 \$1,477.69 \$909.38 \$2,387.08 \$442,398.88
Aug, 2030 72 \$1,474.66 \$912.41 \$2,387.08 \$441,486.47
Sep, 2030 73 \$1,471.62 \$915.45 \$2,387.08 \$440,571.01
Oct, 2030 74 \$1,468.57 \$918.51 \$2,387.08 \$439,652.51
Nov, 2030 75 \$1,465.51 \$921.57 \$2,387.08 \$438,730.94
Dec, 2030 76 \$1,462.44 \$924.64 \$2,387.08 \$437,806.30
Jan, 2031 77 \$1,459.35 \$927.72 \$2,387.08 \$436,878.58
Feb, 2031 78 \$1,456.26 \$930.81 \$2,387.08 \$435,947.76
Mar, 2031 79 \$1,453.16 \$933.92 \$2,387.08 \$435,013.84
Apr, 2031 80 \$1,450.05 \$937.03 \$2,387.08 \$434,076.81
May, 2031 81 \$1,446.92 \$940.15 \$2,387.08 \$433,136.66
Jun, 2031 82 \$1,443.79 \$943.29 \$2,387.08 \$432,193.37
Jul, 2031 83 \$1,440.64 \$946.43 \$2,387.08 \$431,246.94
Aug, 2031 84 \$1,437.49 \$949.59 \$2,387.08 \$430,297.35
Sep, 2031 85 \$1,434.32 \$952.75 \$2,387.08 \$429,344.60
Oct, 2031 86 \$1,431.15 \$955.93 \$2,387.08 \$428,388.67
Nov, 2031 87 \$1,427.96 \$959.11 \$2,387.08 \$427,429.56
Dec, 2031 88 \$1,424.77 \$962.31 \$2,387.08 \$426,467.25
Jan, 2032 89 \$1,421.56 \$965.52 \$2,387.08 \$425,501.73
Feb, 2032 90 \$1,418.34 \$968.74 \$2,387.08 \$424,532.99
Mar, 2032 91 \$1,415.11 \$971.97 \$2,387.08 \$423,561.03
Apr, 2032 92 \$1,411.87 \$975.21 \$2,387.08 \$422,585.82
May, 2032 93 \$1,408.62 \$978.46 \$2,387.08 \$421,607.36
Jun, 2032 94 \$1,405.36 \$981.72 \$2,387.08 \$420,625.64
Jul, 2032 95 \$1,402.09 \$984.99 \$2,387.08 \$419,640.65
Aug, 2032 96 \$1,398.80 \$988.27 \$2,387.08 \$418,652.38
Sep, 2032 97 \$1,395.51 \$991.57 \$2,387.08 \$417,660.81
Oct, 2032 98 \$1,392.20 \$994.87 \$2,387.08 \$416,665.94
Nov, 2032 99 \$1,388.89 \$998.19 \$2,387.08 \$415,667.75
Dec, 2032 100 \$1,385.56 \$1,001.52 \$2,387.08 \$414,666.23
Jan, 2033 101 \$1,382.22 \$1,004.86 \$2,387.08 \$413,661.37
Feb, 2033 102 \$1,378.87 \$1,008.21 \$2,387.08 \$412,653.17
Mar, 2033 103 \$1,375.51 \$1,011.57 \$2,387.08 \$411,641.60
Apr, 2033 104 \$1,372.14 \$1,014.94 \$2,387.08 \$410,626.66
May, 2033 105 \$1,368.76 \$1,018.32 \$2,387.08 \$409,608.34
Jun, 2033 106 \$1,365.36 \$1,021.72 \$2,387.08 \$408,586.63
Jul, 2033 107 \$1,361.96 \$1,025.12 \$2,387.08 \$407,561.51
Aug, 2033 108 \$1,358.54 \$1,028.54 \$2,387.08 \$406,532.97
Sep, 2033 109 \$1,355.11 \$1,031.97 \$2,387.08 \$405,501.00
Oct, 2033 110 \$1,351.67 \$1,035.41 \$2,387.08 \$404,465.60
Nov, 2033 111 \$1,348.22 \$1,038.86 \$2,387.08 \$403,426.74
Dec, 2033 112 \$1,344.76 \$1,042.32 \$2,387.08 \$402,384.42
Jan, 2034 113 \$1,341.28 \$1,045.80 \$2,387.08 \$401,338.62
Feb, 2034 114 \$1,337.80 \$1,049.28 \$2,387.08 \$400,289.34
Mar, 2034 115 \$1,334.30 \$1,052.78 \$2,387.08 \$399,236.56
Apr, 2034 116 \$1,330.79 \$1,056.29 \$2,387.08 \$398,180.27
May, 2034 117 \$1,327.27 \$1,059.81 \$2,387.08 \$397,120.47
Jun, 2034 118 \$1,323.73 \$1,063.34 \$2,387.08 \$396,057.12
Jul, 2034 119 \$1,320.19 \$1,066.89 \$2,387.08 \$394,990.24
Aug, 2034 120 \$1,316.63 \$1,070.44 \$2,387.08 \$393,919.80
Sep, 2034 121 \$1,313.07 \$1,074.01 \$2,387.08 \$392,845.79
Oct, 2034 122 \$1,309.49 \$1,077.59 \$2,387.08 \$391,768.20
Nov, 2034 123 \$1,305.89 \$1,081.18 \$2,387.08 \$390,687.01
Dec, 2034 124 \$1,302.29 \$1,084.79 \$2,387.08 \$389,602.23
Jan, 2035 125 \$1,298.67 \$1,088.40 \$2,387.08 \$388,513.82
Feb, 2035 126 \$1,295.05 \$1,092.03 \$2,387.08 \$387,421.79
Mar, 2035 127 \$1,291.41 \$1,095.67 \$2,387.08 \$386,326.12
Apr, 2035 128 \$1,287.75 \$1,099.32 \$2,387.08 \$385,226.80
May, 2035 129 \$1,284.09 \$1,102.99 \$2,387.08 \$384,123.81
Jun, 2035 130 \$1,280.41 \$1,106.66 \$2,387.08 \$383,017.15
Jul, 2035 131 \$1,276.72 \$1,110.35 \$2,387.08 \$381,906.80
Aug, 2035 132 \$1,273.02 \$1,114.05 \$2,387.08 \$380,792.74
Sep, 2035 133 \$1,269.31 \$1,117.77 \$2,387.08 \$379,674.98
Oct, 2035 134 \$1,265.58 \$1,121.49 \$2,387.08 \$378,553.48
Nov, 2035 135 \$1,261.84 \$1,125.23 \$2,387.08 \$377,428.25
Dec, 2035 136 \$1,258.09 \$1,128.98 \$2,387.08 \$376,299.27
Jan, 2036 137 \$1,254.33 \$1,132.75 \$2,387.08 \$375,166.52
Feb, 2036 138 \$1,250.56 \$1,136.52 \$2,387.08 \$374,030.00
Mar, 2036 139 \$1,246.77 \$1,140.31 \$2,387.08 \$372,889.69
Apr, 2036 140 \$1,242.97 \$1,144.11 \$2,387.08 \$371,745.58
May, 2036 141 \$1,239.15 \$1,147.92 \$2,387.08 \$370,597.66
Jun, 2036 142 \$1,235.33 \$1,151.75 \$2,387.08 \$369,445.91
Jul, 2036 143 \$1,231.49 \$1,155.59 \$2,387.08 \$368,290.32
Aug, 2036 144 \$1,227.63 \$1,159.44 \$2,387.08 \$367,130.87
Sep, 2036 145 \$1,223.77 \$1,163.31 \$2,387.08 \$365,967.57
Oct, 2036 146 \$1,219.89 \$1,167.18 \$2,387.08 \$364,800.38
Nov, 2036 147 \$1,216.00 \$1,171.08 \$2,387.08 \$363,629.31
Dec, 2036 148 \$1,212.10 \$1,174.98 \$2,387.08 \$362,454.33
Jan, 2037 149 \$1,208.18 \$1,178.90 \$2,387.08 \$361,275.43
Feb, 2037 150 \$1,204.25 \$1,182.83 \$2,387.08 \$360,092.61
Mar, 2037 151 \$1,200.31 \$1,186.77 \$2,387.08 \$358,905.84
Apr, 2037 152 \$1,196.35 \$1,190.72 \$2,387.08 \$357,715.12
May, 2037 153 \$1,192.38 \$1,194.69 \$2,387.08 \$356,520.42
Jun, 2037 154 \$1,188.40 \$1,198.68 \$2,387.08 \$355,321.75
Jul, 2037 155 \$1,184.41 \$1,202.67 \$2,387.08 \$354,119.08
Aug, 2037 156 \$1,180.40 \$1,206.68 \$2,387.08 \$352,912.40
Sep, 2037 157 \$1,176.37 \$1,210.70 \$2,387.08 \$351,701.70
Oct, 2037 158 \$1,172.34 \$1,214.74 \$2,387.08 \$350,486.96
Nov, 2037 159 \$1,168.29 \$1,218.79 \$2,387.08 \$349,268.17
Dec, 2037 160 \$1,164.23 \$1,222.85 \$2,387.08 \$348,045.32
Jan, 2038 161 \$1,160.15 \$1,226.93 \$2,387.08 \$346,818.40
Feb, 2038 162 \$1,156.06 \$1,231.02 \$2,387.08 \$345,587.38
Mar, 2038 163 \$1,151.96 \$1,235.12 \$2,387.08 \$344,352.26
Apr, 2038 164 \$1,147.84 \$1,239.24 \$2,387.08 \$343,113.03
May, 2038 165 \$1,143.71 \$1,243.37 \$2,387.08 \$341,869.66
Jun, 2038 166 \$1,139.57 \$1,247.51 \$2,387.08 \$340,622.15
Jul, 2038 167 \$1,135.41 \$1,251.67 \$2,387.08 \$339,370.48
Aug, 2038 168 \$1,131.23 \$1,255.84 \$2,387.08 \$338,114.64
Sep, 2038 169 \$1,127.05 \$1,260.03 \$2,387.08 \$336,854.61
Oct, 2038 170 \$1,122.85 \$1,264.23 \$2,387.08 \$335,590.38
Nov, 2038 171 \$1,118.63 \$1,268.44 \$2,387.08 \$334,321.94
Dec, 2038 172 \$1,114.41 \$1,272.67 \$2,387.08 \$333,049.27
Jan, 2039 173 \$1,110.16 \$1,276.91 \$2,387.08 \$331,772.36
Feb, 2039 174 \$1,105.91 \$1,281.17 \$2,387.08 \$330,491.19
Mar, 2039 175 \$1,101.64 \$1,285.44 \$2,387.08 \$329,205.75
Apr, 2039 176 \$1,097.35 \$1,289.72 \$2,387.08 \$327,916.03
May, 2039 177 \$1,093.05 \$1,294.02 \$2,387.08 \$326,622.01
Jun, 2039 178 \$1,088.74 \$1,298.34 \$2,387.08 \$325,323.67
Jul, 2039 179 \$1,084.41 \$1,302.66 \$2,387.08 \$324,021.00
Aug, 2039 180 \$1,080.07 \$1,307.01 \$2,387.08 \$322,714.00
Sep, 2039 181 \$1,075.71 \$1,311.36 \$2,387.08 \$321,402.63
Oct, 2039 182 \$1,071.34 \$1,315.73 \$2,387.08 \$320,086.90
Nov, 2039 183 \$1,066.96 \$1,320.12 \$2,387.08 \$318,766.78
Dec, 2039 184 \$1,062.56 \$1,324.52 \$2,387.08 \$317,442.26
Jan, 2040 185 \$1,058.14 \$1,328.94 \$2,387.08 \$316,113.32
Feb, 2040 186 \$1,053.71 \$1,333.37 \$2,387.08 \$314,779.96
Mar, 2040 187 \$1,049.27 \$1,337.81 \$2,387.08 \$313,442.15
Apr, 2040 188 \$1,044.81 \$1,342.27 \$2,387.08 \$312,099.88
May, 2040 189 \$1,040.33 \$1,346.74 \$2,387.08 \$310,753.14
Jun, 2040 190 \$1,035.84 \$1,351.23 \$2,387.08 \$309,401.90
Jul, 2040 191 \$1,031.34 \$1,355.74 \$2,387.08 \$308,046.17
Aug, 2040 192 \$1,026.82 \$1,360.26 \$2,387.08 \$306,685.91
Sep, 2040 193 \$1,022.29 \$1,364.79 \$2,387.08 \$305,321.12
Oct, 2040 194 \$1,017.74 \$1,369.34 \$2,387.08 \$303,951.78
Nov, 2040 195 \$1,013.17 \$1,373.90 \$2,387.08 \$302,577.88
Dec, 2040 196 \$1,008.59 \$1,378.48 \$2,387.08 \$301,199.39
Jan, 2041 197 \$1,004.00 \$1,383.08 \$2,387.08 \$299,816.32
Feb, 2041 198 \$999.39 \$1,387.69 \$2,387.08 \$298,428.63
Mar, 2041 199 \$994.76 \$1,392.31 \$2,387.08 \$297,036.31
Apr, 2041 200 \$990.12 \$1,396.96 \$2,387.08 \$295,639.36
May, 2041 201 \$985.46 \$1,401.61 \$2,387.08 \$294,237.74
Jun, 2041 202 \$980.79 \$1,406.28 \$2,387.08 \$292,831.46
Jul, 2041 203 \$976.10 \$1,410.97 \$2,387.08 \$291,420.49
Aug, 2041 204 \$971.40 \$1,415.67 \$2,387.08 \$290,004.81
Sep, 2041 205 \$966.68 \$1,420.39 \$2,387.08 \$288,584.42
Oct, 2041 206 \$961.95 \$1,425.13 \$2,387.08 \$287,159.29
Nov, 2041 207 \$957.20 \$1,429.88 \$2,387.08 \$285,729.41
Dec, 2041 208 \$952.43 \$1,434.65 \$2,387.08 \$284,294.77
Jan, 2042 209 \$947.65 \$1,439.43 \$2,387.08 \$282,855.34
Feb, 2042 210 \$942.85 \$1,444.23 \$2,387.08 \$281,411.12
Mar, 2042 211 \$938.04 \$1,449.04 \$2,387.08 \$279,962.08
Apr, 2042 212 \$933.21 \$1,453.87 \$2,387.08 \$278,508.21
May, 2042 213 \$928.36 \$1,458.72 \$2,387.08 \$277,049.49
Jun, 2042 214 \$923.50 \$1,463.58 \$2,387.08 \$275,585.91
Jul, 2042 215 \$918.62 \$1,468.46 \$2,387.08 \$274,117.46
Aug, 2042 216 \$913.72 \$1,473.35 \$2,387.08 \$272,644.10
Sep, 2042 217 \$908.81 \$1,478.26 \$2,387.08 \$271,165.84
Oct, 2042 218 \$903.89 \$1,483.19 \$2,387.08 \$269,682.65
Nov, 2042 219 \$898.94 \$1,488.13 \$2,387.08 \$268,194.52
Dec, 2042 220 \$893.98 \$1,493.09 \$2,387.08 \$266,701.42
Jan, 2043 221 \$889.00 \$1,498.07 \$2,387.08 \$265,203.35
Feb, 2043 222 \$884.01 \$1,503.07 \$2,387.08 \$263,700.28
Mar, 2043 223 \$879.00 \$1,508.08 \$2,387.08 \$262,192.21
Apr, 2043 224 \$873.97 \$1,513.10 \$2,387.08 \$260,679.11
May, 2043 225 \$868.93 \$1,518.15 \$2,387.08 \$259,160.96
Jun, 2043 226 \$863.87 \$1,523.21 \$2,387.08 \$257,637.75
Jul, 2043 227 \$858.79 \$1,528.28 \$2,387.08 \$256,109.47
Aug, 2043 228 \$853.70 \$1,533.38 \$2,387.08 \$254,576.09
Sep, 2043 229 \$848.59 \$1,538.49 \$2,387.08 \$253,037.60
Oct, 2043 230 \$843.46 \$1,543.62 \$2,387.08 \$251,493.98
Nov, 2043 231 \$838.31 \$1,548.76 \$2,387.08 \$249,945.22
Dec, 2043 232 \$833.15 \$1,553.93 \$2,387.08 \$248,391.30
Jan, 2044 233 \$827.97 \$1,559.11 \$2,387.08 \$246,832.19
Feb, 2044 234 \$822.77 \$1,564.30 \$2,387.08 \$245,267.89
Mar, 2044 235 \$817.56 \$1,569.52 \$2,387.08 \$243,698.37
Apr, 2044 236 \$812.33 \$1,574.75 \$2,387.08 \$242,123.62
May, 2044 237 \$807.08 \$1,580.00 \$2,387.08 \$240,543.62
Jun, 2044 238 \$801.81 \$1,585.26 \$2,387.08 \$238,958.36
Jul, 2044 239 \$796.53 \$1,590.55 \$2,387.08 \$237,367.81
Aug, 2044 240 \$791.23 \$1,595.85 \$2,387.08 \$235,771.96
Sep, 2044 241 \$785.91 \$1,601.17 \$2,387.08 \$234,170.79
Oct, 2044 242 \$780.57 \$1,606.51 \$2,387.08 \$232,564.28
Nov, 2044 243 \$775.21 \$1,611.86 \$2,387.08 \$230,952.42
Dec, 2044 244 \$769.84 \$1,617.24 \$2,387.08 \$229,335.19
Jan, 2045 245 \$764.45 \$1,622.63 \$2,387.08 \$227,712.56
Feb, 2045 246 \$759.04 \$1,628.03 \$2,387.08 \$226,084.53
Mar, 2045 247 \$753.62 \$1,633.46 \$2,387.08 \$224,451.06
Apr, 2045 248 \$748.17 \$1,638.91 \$2,387.08 \$222,812.16
May, 2045 249 \$742.71 \$1,644.37 \$2,387.08 \$221,167.79
Jun, 2045 250 \$737.23 \$1,649.85 \$2,387.08 \$219,517.94
Jul, 2045 251 \$731.73 \$1,655.35 \$2,387.08 \$217,862.59
Aug, 2045 252 \$726.21 \$1,660.87 \$2,387.08 \$216,201.72
Sep, 2045 253 \$720.67 \$1,666.40 \$2,387.08 \$214,535.32
Oct, 2045 254 \$715.12 \$1,671.96 \$2,387.08 \$212,863.36
Nov, 2045 255 \$709.54 \$1,677.53 \$2,387.08 \$211,185.83
Dec, 2045 256 \$703.95 \$1,683.12 \$2,387.08 \$209,502.70
Jan, 2046 257 \$698.34 \$1,688.73 \$2,387.08 \$207,813.97
Feb, 2046 258 \$692.71 \$1,694.36 \$2,387.08 \$206,119.61
Mar, 2046 259 \$687.07 \$1,700.01 \$2,387.08 \$204,419.59
Apr, 2046 260 \$681.40 \$1,705.68 \$2,387.08 \$202,713.92
May, 2046 261 \$675.71 \$1,711.36 \$2,387.08 \$201,002.55
Jun, 2046 262 \$670.01 \$1,717.07 \$2,387.08 \$199,285.48
Jul, 2046 263 \$664.28 \$1,722.79 \$2,387.08 \$197,562.69
Aug, 2046 264 \$658.54 \$1,728.53 \$2,387.08 \$195,834.16
Sep, 2046 265 \$652.78 \$1,734.30 \$2,387.08 \$194,099.86
Oct, 2046 266 \$647.00 \$1,740.08 \$2,387.08 \$192,359.79
Nov, 2046 267 \$641.20 \$1,745.88 \$2,387.08 \$190,613.91
Dec, 2046 268 \$635.38 \$1,751.70 \$2,387.08 \$188,862.21
Jan, 2047 269 \$629.54 \$1,757.54 \$2,387.08 \$187,104.68
Feb, 2047 270 \$623.68 \$1,763.39 \$2,387.08 \$185,341.28
Mar, 2047 271 \$617.80 \$1,769.27 \$2,387.08 \$183,572.01
Apr, 2047 272 \$611.91 \$1,775.17 \$2,387.08 \$181,796.84
May, 2047 273 \$605.99 \$1,781.09 \$2,387.08 \$180,015.75
Jun, 2047 274 \$600.05 \$1,787.02 \$2,387.08 \$178,228.73
Jul, 2047 275 \$594.10 \$1,792.98 \$2,387.08 \$176,435.75
Aug, 2047 276 \$588.12 \$1,798.96 \$2,387.08 \$174,636.79
Sep, 2047 277 \$582.12 \$1,804.95 \$2,387.08 \$172,831.84
Oct, 2047 278 \$576.11 \$1,810.97 \$2,387.08 \$171,020.87
Nov, 2047 279 \$570.07 \$1,817.01 \$2,387.08 \$169,203.86
Dec, 2047 280 \$564.01 \$1,823.06 \$2,387.08 \$167,380.80
Jan, 2048 281 \$557.94 \$1,829.14 \$2,387.08 \$165,551.66
Feb, 2048 282 \$551.84 \$1,835.24 \$2,387.08 \$163,716.42
Mar, 2048 283 \$545.72 \$1,841.36 \$2,387.08 \$161,875.06
Apr, 2048 284 \$539.58 \$1,847.49 \$2,387.08 \$160,027.57
May, 2048 285 \$533.43 \$1,853.65 \$2,387.08 \$158,173.92
Jun, 2048 286 \$527.25 \$1,859.83 \$2,387.08 \$156,314.09
Jul, 2048 287 \$521.05 \$1,866.03 \$2,387.08 \$154,448.06
Aug, 2048 288 \$514.83 \$1,872.25 \$2,387.08 \$152,575.81
Sep, 2048 289 \$508.59 \$1,878.49 \$2,387.08 \$150,697.32
Oct, 2048 290 \$502.32 \$1,884.75 \$2,387.08 \$148,812.57
Nov, 2048 291 \$496.04 \$1,891.03 \$2,387.08 \$146,921.53
Dec, 2048 292 \$489.74 \$1,897.34 \$2,387.08 \$145,024.19
Jan, 2049 293 \$483.41 \$1,903.66 \$2,387.08 \$143,120.53
Feb, 2049 294 \$477.07 \$1,910.01 \$2,387.08 \$141,210.52
Mar, 2049 295 \$470.70 \$1,916.37 \$2,387.08 \$139,294.15
Apr, 2049 296 \$464.31 \$1,922.76 \$2,387.08 \$137,371.39
May, 2049 297 \$457.90 \$1,929.17 \$2,387.08 \$135,442.21
Jun, 2049 298 \$451.47 \$1,935.60 \$2,387.08 \$133,506.61
Jul, 2049 299 \$445.02 \$1,942.05 \$2,387.08 \$131,564.56
Aug, 2049 300 \$438.55 \$1,948.53 \$2,387.08 \$129,616.03
Sep, 2049 301 \$432.05 \$1,955.02 \$2,387.08 \$127,661.01
Oct, 2049 302 \$425.54 \$1,961.54 \$2,387.08 \$125,699.47
Nov, 2049 303 \$419.00 \$1,968.08 \$2,387.08 \$123,731.39
Dec, 2049 304 \$412.44 \$1,974.64 \$2,387.08 \$121,756.75
Jan, 2050 305 \$405.86 \$1,981.22 \$2,387.08 \$119,775.53
Feb, 2050 306 \$399.25 \$1,987.82 \$2,387.08 \$117,787.71
Mar, 2050 307 \$392.63 \$1,994.45 \$2,387.08 \$115,793.25
Apr, 2050 308 \$385.98 \$2,001.10 \$2,387.08 \$113,792.16
May, 2050 309 \$379.31 \$2,007.77 \$2,387.08 \$111,784.39
Jun, 2050 310 \$372.61 \$2,014.46 \$2,387.08 \$109,769.92
Jul, 2050 311 \$365.90 \$2,021.18 \$2,387.08 \$107,748.75
Aug, 2050 312 \$359.16 \$2,027.91 \$2,387.08 \$105,720.83
Sep, 2050 313 \$352.40 \$2,034.67 \$2,387.08 \$103,686.16
Oct, 2050 314 \$345.62 \$2,041.46 \$2,387.08 \$101,644.70
Nov, 2050 315 \$338.82 \$2,048.26 \$2,387.08 \$99,596.44
Dec, 2050 316 \$331.99 \$2,055.09 \$2,387.08 \$97,541.35
Jan, 2051 317 \$325.14 \$2,061.94 \$2,387.08 \$95,479.42
Feb, 2051 318 \$318.26 \$2,068.81 \$2,387.08 \$93,410.60
Mar, 2051 319 \$311.37 \$2,075.71 \$2,387.08 \$91,334.90
Apr, 2051 320 \$304.45 \$2,082.63 \$2,387.08 \$89,252.27
May, 2051 321 \$297.51 \$2,089.57 \$2,387.08 \$87,162.70
Jun, 2051 322 \$290.54 \$2,096.53 \$2,387.08 \$85,066.17
Jul, 2051 323 \$283.55 \$2,103.52 \$2,387.08 \$82,962.64
Aug, 2051 324 \$276.54 \$2,110.53 \$2,387.08 \$80,852.11
Sep, 2051 325 \$269.51 \$2,117.57 \$2,387.08 \$78,734.54
Oct, 2051 326 \$262.45 \$2,124.63 \$2,387.08 \$76,609.91
Nov, 2051 327 \$255.37 \$2,131.71 \$2,387.08 \$74,478.20
Dec, 2051 328 \$248.26 \$2,138.82 \$2,387.08 \$72,339.39
Jan, 2052 329 \$241.13 \$2,145.95 \$2,387.08 \$70,193.44
Feb, 2052 330 \$233.98 \$2,153.10 \$2,387.08 \$68,040.34
Mar, 2052 331 \$226.80 \$2,160.28 \$2,387.08 \$65,880.07
Apr, 2052 332 \$219.60 \$2,167.48 \$2,387.08 \$63,712.59
May, 2052 333 \$212.38 \$2,174.70 \$2,387.08 \$61,537.89
Jun, 2052 334 \$205.13 \$2,181.95 \$2,387.08 \$59,355.94
Jul, 2052 335 \$197.85 \$2,189.22 \$2,387.08 \$57,166.72
Aug, 2052 336 \$190.56 \$2,196.52 \$2,387.08 \$54,970.20
Sep, 2052 337 \$183.23 \$2,203.84 \$2,387.08 \$52,766.35
Oct, 2052 338 \$175.89 \$2,211.19 \$2,387.08 \$50,555.16
Nov, 2052 339 \$168.52 \$2,218.56 \$2,387.08 \$48,336.61
Dec, 2052 340 \$161.12 \$2,225.95 \$2,387.08 \$46,110.65
Jan, 2053 341 \$153.70 \$2,233.37 \$2,387.08 \$43,877.28
Feb, 2053 342 \$146.26 \$2,240.82 \$2,387.08 \$41,636.46
Mar, 2053 343 \$138.79 \$2,248.29 \$2,387.08 \$39,388.17
Apr, 2053 344 \$131.29 \$2,255.78 \$2,387.08 \$37,132.39
May, 2053 345 \$123.77 \$2,263.30 \$2,387.08 \$34,869.09
Jun, 2053 346 \$116.23 \$2,270.85 \$2,387.08 \$32,598.24
Jul, 2053 347 \$108.66 \$2,278.42 \$2,387.08 \$30,319.82
Aug, 2053 348 \$101.07 \$2,286.01 \$2,387.08 \$28,033.81
Sep, 2053 349 \$93.45 \$2,293.63 \$2,387.08 \$25,740.18
Oct, 2053 350 \$85.80 \$2,301.28 \$2,387.08 \$23,438.91
Nov, 2053 351 \$78.13 \$2,308.95 \$2,387.08 \$21,129.96
Dec, 2053 352 \$70.43 \$2,316.64 \$2,387.08 \$18,813.32
Jan, 2054 353 \$62.71 \$2,324.37 \$2,387.08 \$16,488.95
Feb, 2054 354 \$54.96 \$2,332.11 \$2,387.08 \$14,156.84
Mar, 2054 355 \$47.19 \$2,339.89 \$2,387.08 \$11,816.95
Apr, 2054 356 \$39.39 \$2,347.69 \$2,387.08 \$9,469.26
May, 2054 357 \$31.56 \$2,355.51 \$2,387.08 \$7,113.75
Jun, 2054 358 \$23.71 \$2,363.36 \$2,387.08 \$4,750.39
Jul, 2054 359 \$15.83 \$2,371.24 \$2,387.08 \$2,379.15
Aug, 2054 360 \$7.93 \$2,379.15 \$2,387.08 \$0.00

### Amortization Schedule With Points

Payment Date Payment # Interest Paid Principal Paid Total Payment Remaining Balance
Sep, 2024 1 \$1,458.33 \$786.89 \$2,245.22 \$499,213.11
Oct, 2024 2 \$1,456.04 \$789.19 \$2,245.22 \$498,423.92
Nov, 2024 3 \$1,453.74 \$791.49 \$2,245.22 \$497,632.44
Dec, 2024 4 \$1,451.43 \$793.80 \$2,245.22 \$496,838.64
Jan, 2025 5 \$1,449.11 \$796.11 \$2,245.22 \$496,042.53
Feb, 2025 6 \$1,446.79 \$798.43 \$2,245.22 \$495,244.10
Mar, 2025 7 \$1,444.46 \$800.76 \$2,245.22 \$494,443.34
Apr, 2025 8 \$1,442.13 \$803.10 \$2,245.22 \$493,640.24
May, 2025 9 \$1,439.78 \$805.44 \$2,245.22 \$492,834.80
Jun, 2025 10 \$1,437.43 \$807.79 \$2,245.22 \$492,027.01
Jul, 2025 11 \$1,435.08 \$810.14 \$2,245.22 \$491,216.87
Aug, 2025 12 \$1,432.72 \$812.51 \$2,245.22 \$490,404.36
Sep, 2025 13 \$1,430.35 \$814.88 \$2,245.22 \$489,589.48
Oct, 2025 14 \$1,427.97 \$817.25 \$2,245.22 \$488,772.23
Nov, 2025 15 \$1,425.59 \$819.64 \$2,245.22 \$487,952.59
Dec, 2025 16 \$1,423.20 \$822.03 \$2,245.22 \$487,130.56
Jan, 2026 17 \$1,420.80 \$824.43 \$2,245.22 \$486,306.14
Feb, 2026 18 \$1,418.39 \$826.83 \$2,245.22 \$485,479.31
Mar, 2026 19 \$1,415.98 \$829.24 \$2,245.22 \$484,650.06
Apr, 2026 20 \$1,413.56 \$831.66 \$2,245.22 \$483,818.40
May, 2026 21 \$1,411.14 \$834.09 \$2,245.22 \$482,984.32
Jun, 2026 22 \$1,408.70 \$836.52 \$2,245.22 \$482,147.80
Jul, 2026 23 \$1,406.26 \$838.96 \$2,245.22 \$481,308.84
Aug, 2026 24 \$1,403.82 \$841.41 \$2,245.22 \$480,467.43
Sep, 2026 25 \$1,401.36 \$843.86 \$2,245.22 \$479,623.57
Oct, 2026 26 \$1,398.90 \$846.32 \$2,245.22 \$478,777.25
Nov, 2026 27 \$1,396.43 \$848.79 \$2,245.22 \$477,928.46
Dec, 2026 28 \$1,393.96 \$851.27 \$2,245.22 \$477,077.20
Jan, 2027 29 \$1,391.48 \$853.75 \$2,245.22 \$476,223.45
Feb, 2027 30 \$1,388.99 \$856.24 \$2,245.22 \$475,367.21
Mar, 2027 31 \$1,386.49 \$858.74 \$2,245.22 \$474,508.47
Apr, 2027 32 \$1,383.98 \$861.24 \$2,245.22 \$473,647.23
May, 2027 33 \$1,381.47 \$863.75 \$2,245.22 \$472,783.48
Jun, 2027 34 \$1,378.95 \$866.27 \$2,245.22 \$471,917.21
Jul, 2027 35 \$1,376.43 \$868.80 \$2,245.22 \$471,048.41
Aug, 2027 36 \$1,373.89 \$871.33 \$2,245.22 \$470,177.08
Sep, 2027 37 \$1,371.35 \$873.87 \$2,245.22 \$469,303.20
Oct, 2027 38 \$1,368.80 \$876.42 \$2,245.22 \$468,426.78
Nov, 2027 39 \$1,366.24 \$878.98 \$2,245.22 \$467,547.80
Dec, 2027 40 \$1,363.68 \$881.54 \$2,245.22 \$466,666.26
Jan, 2028 41 \$1,361.11 \$884.11 \$2,245.22 \$465,782.15
Feb, 2028 42 \$1,358.53 \$886.69 \$2,245.22 \$464,895.46
Mar, 2028 43 \$1,355.95 \$889.28 \$2,245.22 \$464,006.18
Apr, 2028 44 \$1,353.35 \$891.87 \$2,245.22 \$463,114.31
May, 2028 45 \$1,350.75 \$894.47 \$2,245.22 \$462,219.83
Jun, 2028 46 \$1,348.14 \$897.08 \$2,245.22 \$461,322.75
Jul, 2028 47 \$1,345.52 \$899.70 \$2,245.22 \$460,423.05
Aug, 2028 48 \$1,342.90 \$902.32 \$2,245.22 \$459,520.73
Sep, 2028 49 \$1,340.27 \$904.95 \$2,245.22 \$458,615.77
Oct, 2028 50 \$1,337.63 \$907.59 \$2,245.22 \$457,708.18
Nov, 2028 51 \$1,334.98 \$910.24 \$2,245.22 \$456,797.94
Dec, 2028 52 \$1,332.33 \$912.90 \$2,245.22 \$455,885.04
Jan, 2029 53 \$1,329.66 \$915.56 \$2,245.22 \$454,969.48
Feb, 2029 54 \$1,326.99 \$918.23 \$2,245.22 \$454,051.25
Mar, 2029 55 \$1,324.32 \$920.91 \$2,245.22 \$453,130.35
Apr, 2029 56 \$1,321.63 \$923.59 \$2,245.22 \$452,206.75
May, 2029 57 \$1,318.94 \$926.29 \$2,245.22 \$451,280.47
Jun, 2029 58 \$1,316.23 \$928.99 \$2,245.22 \$450,351.48
Jul, 2029 59 \$1,313.53 \$931.70 \$2,245.22 \$449,419.78
Aug, 2029 60 \$1,310.81 \$934.42 \$2,245.22 \$448,485.36
Sep, 2029 61 \$1,308.08 \$937.14 \$2,245.22 \$447,548.22
Oct, 2029 62 \$1,305.35 \$939.87 \$2,245.22 \$446,608.35
Nov, 2029 63 \$1,302.61 \$942.62 \$2,245.22 \$445,665.73
Dec, 2029 64 \$1,299.86 \$945.37 \$2,245.22 \$444,720.37
Jan, 2030 65 \$1,297.10 \$948.12 \$2,245.22 \$443,772.24
Feb, 2030 66 \$1,294.34 \$950.89 \$2,245.22 \$442,821.36
Mar, 2030 67 \$1,291.56 \$953.66 \$2,245.22 \$441,867.70
Apr, 2030 68 \$1,288.78 \$956.44 \$2,245.22 \$440,911.25
May, 2030 69 \$1,285.99 \$959.23 \$2,245.22 \$439,952.02
Jun, 2030 70 \$1,283.19 \$962.03 \$2,245.22 \$438,989.99
Jul, 2030 71 \$1,280.39 \$964.84 \$2,245.22 \$438,025.15
Aug, 2030 72 \$1,277.57 \$967.65 \$2,245.22 \$437,057.50
Sep, 2030 73 \$1,274.75 \$970.47 \$2,245.22 \$436,087.03
Oct, 2030 74 \$1,271.92 \$973.30 \$2,245.22 \$435,113.73
Nov, 2030 75 \$1,269.08 \$976.14 \$2,245.22 \$434,137.59
Dec, 2030 76 \$1,266.23 \$978.99 \$2,245.22 \$433,158.60
Jan, 2031 77 \$1,263.38 \$981.84 \$2,245.22 \$432,176.75
Feb, 2031 78 \$1,260.52 \$984.71 \$2,245.22 \$431,192.05
Mar, 2031 79 \$1,257.64 \$987.58 \$2,245.22 \$430,204.47
Apr, 2031 80 \$1,254.76 \$990.46 \$2,245.22 \$429,214.01
May, 2031 81 \$1,251.87 \$993.35 \$2,245.22 \$428,220.66
Jun, 2031 82 \$1,248.98 \$996.25 \$2,245.22 \$427,224.41
Jul, 2031 83 \$1,246.07 \$999.15 \$2,245.22 \$426,225.26
Aug, 2031 84 \$1,243.16 \$1,002.07 \$2,245.22 \$425,223.19
Sep, 2031 85 \$1,240.23 \$1,004.99 \$2,245.22 \$424,218.20
Oct, 2031 86 \$1,237.30 \$1,007.92 \$2,245.22 \$423,210.28
Nov, 2031 87 \$1,234.36 \$1,010.86 \$2,245.22 \$422,199.42
Dec, 2031 88 \$1,231.41 \$1,013.81 \$2,245.22 \$421,185.61
Jan, 2032 89 \$1,228.46 \$1,016.77 \$2,245.22 \$420,168.85
Feb, 2032 90 \$1,225.49 \$1,019.73 \$2,245.22 \$419,149.12
Mar, 2032 91 \$1,222.52 \$1,022.71 \$2,245.22 \$418,126.41
Apr, 2032 92 \$1,219.54 \$1,025.69 \$2,245.22 \$417,100.72
May, 2032 93 \$1,216.54 \$1,028.68 \$2,245.22 \$416,072.04
Jun, 2032 94 \$1,213.54 \$1,031.68 \$2,245.22 \$415,040.36
Jul, 2032 95 \$1,210.53 \$1,034.69 \$2,245.22 \$414,005.68
Aug, 2032 96 \$1,207.52 \$1,037.71 \$2,245.22 \$412,967.97
Sep, 2032 97 \$1,204.49 \$1,040.73 \$2,245.22 \$411,927.24
Oct, 2032 98 \$1,201.45 \$1,043.77 \$2,245.22 \$410,883.47
Nov, 2032 99 \$1,198.41 \$1,046.81 \$2,245.22 \$409,836.65
Dec, 2032 100 \$1,195.36 \$1,049.87 \$2,245.22 \$408,786.79
Jan, 2033 101 \$1,192.29 \$1,052.93 \$2,245.22 \$407,733.86
Feb, 2033 102 \$1,189.22 \$1,056.00 \$2,245.22 \$406,677.86
Mar, 2033 103 \$1,186.14 \$1,059.08 \$2,245.22 \$405,618.78
Apr, 2033 104 \$1,183.05 \$1,062.17 \$2,245.22 \$404,556.61
May, 2033 105 \$1,179.96 \$1,065.27 \$2,245.22 \$403,491.34
Jun, 2033 106 \$1,176.85 \$1,068.37 \$2,245.22 \$402,422.97
Jul, 2033 107 \$1,173.73 \$1,071.49 \$2,245.22 \$401,351.48
Aug, 2033 108 \$1,170.61 \$1,074.61 \$2,245.22 \$400,276.86
Sep, 2033 109 \$1,167.47 \$1,077.75 \$2,245.22 \$399,199.12
Oct, 2033 110 \$1,164.33 \$1,080.89 \$2,245.22 \$398,118.22
Nov, 2033 111 \$1,161.18 \$1,084.05 \$2,245.22 \$397,034.18
Dec, 2033 112 \$1,158.02 \$1,087.21 \$2,245.22 \$395,946.97
Jan, 2034 113 \$1,154.85 \$1,090.38 \$2,245.22 \$394,856.59
Feb, 2034 114 \$1,151.67 \$1,093.56 \$2,245.22 \$393,763.03
Mar, 2034 115 \$1,148.48 \$1,096.75 \$2,245.22 \$392,666.29
Apr, 2034 116 \$1,145.28 \$1,099.95 \$2,245.22 \$391,566.34
May, 2034 117 \$1,142.07 \$1,103.15 \$2,245.22 \$390,463.18
Jun, 2034 118 \$1,138.85 \$1,106.37 \$2,245.22 \$389,356.81
Jul, 2034 119 \$1,135.62 \$1,109.60 \$2,245.22 \$388,247.21
Aug, 2034 120 \$1,132.39 \$1,112.84 \$2,245.22 \$387,134.38
Sep, 2034 121 \$1,129.14 \$1,116.08 \$2,245.22 \$386,018.30
Oct, 2034 122 \$1,125.89 \$1,119.34 \$2,245.22 \$384,898.96
Nov, 2034 123 \$1,122.62 \$1,122.60 \$2,245.22 \$383,776.36
Dec, 2034 124 \$1,119.35 \$1,125.88 \$2,245.22 \$382,650.48
Jan, 2035 125 \$1,116.06 \$1,129.16 \$2,245.22 \$381,521.32
Feb, 2035 126 \$1,112.77 \$1,132.45 \$2,245.22 \$380,388.87
Mar, 2035 127 \$1,109.47 \$1,135.76 \$2,245.22 \$379,253.11
Apr, 2035 128 \$1,106.15 \$1,139.07 \$2,245.22 \$378,114.04
May, 2035 129 \$1,102.83 \$1,142.39 \$2,245.22 \$376,971.65
Jun, 2035 130 \$1,099.50 \$1,145.72 \$2,245.22 \$375,825.93
Jul, 2035 131 \$1,096.16 \$1,149.06 \$2,245.22 \$374,676.87
Aug, 2035 132 \$1,092.81 \$1,152.42 \$2,245.22 \$373,524.45
Sep, 2035 133 \$1,089.45 \$1,155.78 \$2,245.22 \$372,368.67
Oct, 2035 134 \$1,086.08 \$1,159.15 \$2,245.22 \$371,209.53
Nov, 2035 135 \$1,082.69 \$1,162.53 \$2,245.22 \$370,047.00
Dec, 2035 136 \$1,079.30 \$1,165.92 \$2,245.22 \$368,881.08
Jan, 2036 137 \$1,075.90 \$1,169.32 \$2,245.22 \$367,711.76
Feb, 2036 138 \$1,072.49 \$1,172.73 \$2,245.22 \$366,539.03
Mar, 2036 139 \$1,069.07 \$1,176.15 \$2,245.22 \$365,362.87
Apr, 2036 140 \$1,065.64 \$1,179.58 \$2,245.22 \$364,183.29
May, 2036 141 \$1,062.20 \$1,183.02 \$2,245.22 \$363,000.27
Jun, 2036 142 \$1,058.75 \$1,186.47 \$2,245.22 \$361,813.80
Jul, 2036 143 \$1,055.29 \$1,189.93 \$2,245.22 \$360,623.86
Aug, 2036 144 \$1,051.82 \$1,193.40 \$2,245.22 \$359,430.46
Sep, 2036 145 \$1,048.34 \$1,196.88 \$2,245.22 \$358,233.58
Oct, 2036 146 \$1,044.85 \$1,200.38 \$2,245.22 \$357,033.20
Nov, 2036 147 \$1,041.35 \$1,203.88 \$2,245.22 \$355,829.32
Dec, 2036 148 \$1,037.84 \$1,207.39 \$2,245.22 \$354,621.94
Jan, 2037 149 \$1,034.31 \$1,210.91 \$2,245.22 \$353,411.03
Feb, 2037 150 \$1,030.78 \$1,214.44 \$2,245.22 \$352,196.59
Mar, 2037 151 \$1,027.24 \$1,217.98 \$2,245.22 \$350,978.60
Apr, 2037 152 \$1,023.69 \$1,221.54 \$2,245.22 \$349,757.07
May, 2037 153 \$1,020.12 \$1,225.10 \$2,245.22 \$348,531.97
Jun, 2037 154 \$1,016.55 \$1,228.67 \$2,245.22 \$347,303.30
Jul, 2037 155 \$1,012.97 \$1,232.26 \$2,245.22 \$346,071.04
Aug, 2037 156 \$1,009.37 \$1,235.85 \$2,245.22 \$344,835.19
Sep, 2037 157 \$1,005.77 \$1,239.45 \$2,245.22 \$343,595.74
Oct, 2037 158 \$1,002.15 \$1,243.07 \$2,245.22 \$342,352.67
Nov, 2037 159 \$998.53 \$1,246.69 \$2,245.22 \$341,105.97
Dec, 2037 160 \$994.89 \$1,250.33 \$2,245.22 \$339,855.64
Jan, 2038 161 \$991.25 \$1,253.98 \$2,245.22 \$338,601.66
Feb, 2038 162 \$987.59 \$1,257.64 \$2,245.22 \$337,344.03
Mar, 2038 163 \$983.92 \$1,261.30 \$2,245.22 \$336,082.72
Apr, 2038 164 \$980.24 \$1,264.98 \$2,245.22 \$334,817.74
May, 2038 165 \$976.55 \$1,268.67 \$2,245.22 \$333,549.07
Jun, 2038 166 \$972.85 \$1,272.37 \$2,245.22 \$332,276.70
Jul, 2038 167 \$969.14 \$1,276.08 \$2,245.22 \$331,000.62
Aug, 2038 168 \$965.42 \$1,279.80 \$2,245.22 \$329,720.81
Sep, 2038 169 \$961.69 \$1,283.54 \$2,245.22 \$328,437.27
Oct, 2038 170 \$957.94 \$1,287.28 \$2,245.22 \$327,149.99
Nov, 2038 171 \$954.19 \$1,291.04 \$2,245.22 \$325,858.96
Dec, 2038 172 \$950.42 \$1,294.80 \$2,245.22 \$324,564.15
Jan, 2039 173 \$946.65 \$1,298.58 \$2,245.22 \$323,265.58
Feb, 2039 174 \$942.86 \$1,302.37 \$2,245.22 \$321,963.21
Mar, 2039 175 \$939.06 \$1,306.16 \$2,245.22 \$320,657.05
Apr, 2039 176 \$935.25 \$1,309.97 \$2,245.22 \$319,347.07
May, 2039 177 \$931.43 \$1,313.79 \$2,245.22 \$318,033.28
Jun, 2039 178 \$927.60 \$1,317.63 \$2,245.22 \$316,715.65
Jul, 2039 179 \$923.75 \$1,321.47 \$2,245.22 \$315,394.18
Aug, 2039 180 \$919.90 \$1,325.32 \$2,245.22 \$314,068.86
Sep, 2039 181 \$916.03 \$1,329.19 \$2,245.22 \$312,739.67
Oct, 2039 182 \$912.16 \$1,333.07 \$2,245.22 \$311,406.60
Nov, 2039 183 \$908.27 \$1,336.95 \$2,245.22 \$310,069.65
Dec, 2039 184 \$904.37 \$1,340.85 \$2,245.22 \$308,728.80
Jan, 2040 185 \$900.46 \$1,344.76 \$2,245.22 \$307,384.03
Feb, 2040 186 \$896.54 \$1,348.69 \$2,245.22 \$306,035.34
Mar, 2040 187 \$892.60 \$1,352.62 \$2,245.22 \$304,682.72
Apr, 2040 188 \$888.66 \$1,356.57 \$2,245.22 \$303,326.16
May, 2040 189 \$884.70 \$1,360.52 \$2,245.22 \$301,965.64
Jun, 2040 190 \$880.73 \$1,364.49 \$2,245.22 \$300,601.15
Jul, 2040 191 \$876.75 \$1,368.47 \$2,245.22 \$299,232.68
Aug, 2040 192 \$872.76 \$1,372.46 \$2,245.22 \$297,860.21
Sep, 2040 193 \$868.76 \$1,376.46 \$2,245.22 \$296,483.75
Oct, 2040 194 \$864.74 \$1,380.48 \$2,245.22 \$295,103.27
Nov, 2040 195 \$860.72 \$1,384.51 \$2,245.22 \$293,718.77
Dec, 2040 196 \$856.68 \$1,388.54 \$2,245.22 \$292,330.22
Jan, 2041 197 \$852.63 \$1,392.59 \$2,245.22 \$290,937.63
Feb, 2041 198 \$848.57 \$1,396.66 \$2,245.22 \$289,540.97
Mar, 2041 199 \$844.49 \$1,400.73 \$2,245.22 \$288,140.24
Apr, 2041 200 \$840.41 \$1,404.81 \$2,245.22 \$286,735.43
May, 2041 201 \$836.31 \$1,408.91 \$2,245.22 \$285,326.52
Jun, 2041 202 \$832.20 \$1,413.02 \$2,245.22 \$283,913.50
Jul, 2041 203 \$828.08 \$1,417.14 \$2,245.22 \$282,496.35
Aug, 2041 204 \$823.95 \$1,421.28 \$2,245.22 \$281,075.08
Sep, 2041 205 \$819.80 \$1,425.42 \$2,245.22 \$279,649.66
Oct, 2041 206 \$815.64 \$1,429.58 \$2,245.22 \$278,220.08
Nov, 2041 207 \$811.48 \$1,433.75 \$2,245.22 \$276,786.33
Dec, 2041 208 \$807.29 \$1,437.93 \$2,245.22 \$275,348.40
Jan, 2042 209 \$803.10 \$1,442.12 \$2,245.22 \$273,906.28
Feb, 2042 210 \$798.89 \$1,446.33 \$2,245.22 \$272,459.95
Mar, 2042 211 \$794.67 \$1,450.55 \$2,245.22 \$271,009.40
Apr, 2042 212 \$790.44 \$1,454.78 \$2,245.22 \$269,554.62
May, 2042 213 \$786.20 \$1,459.02 \$2,245.22 \$268,095.60
Jun, 2042 214 \$781.95 \$1,463.28 \$2,245.22 \$266,632.32
Jul, 2042 215 \$777.68 \$1,467.55 \$2,245.22 \$265,164.77
Aug, 2042 216 \$773.40 \$1,471.83 \$2,245.22 \$263,692.95
Sep, 2042 217 \$769.10 \$1,476.12 \$2,245.22 \$262,216.83
Oct, 2042 218 \$764.80 \$1,480.42 \$2,245.22 \$260,736.40
Nov, 2042 219 \$760.48 \$1,484.74 \$2,245.22 \$259,251.66
Dec, 2042 220 \$756.15 \$1,489.07 \$2,245.22 \$257,762.59
Jan, 2043 221 \$751.81 \$1,493.42 \$2,245.22 \$256,269.17
Feb, 2043 222 \$747.45 \$1,497.77 \$2,245.22 \$254,771.40
Mar, 2043 223 \$743.08 \$1,502.14 \$2,245.22 \$253,269.26
Apr, 2043 224 \$738.70 \$1,506.52 \$2,245.22 \$251,762.74
May, 2043 225 \$734.31 \$1,510.92 \$2,245.22 \$250,251.82
Jun, 2043 226 \$729.90 \$1,515.32 \$2,245.22 \$248,736.50
Jul, 2043 227 \$725.48 \$1,519.74 \$2,245.22 \$247,216.76
Aug, 2043 228 \$721.05 \$1,524.17 \$2,245.22 \$245,692.58
Sep, 2043 229 \$716.60 \$1,528.62 \$2,245.22 \$244,163.96
Oct, 2043 230 \$712.14 \$1,533.08 \$2,245.22 \$242,630.89
Nov, 2043 231 \$707.67 \$1,537.55 \$2,245.22 \$241,093.34
Dec, 2043 232 \$703.19 \$1,542.03 \$2,245.22 \$239,551.30
Jan, 2044 233 \$698.69 \$1,546.53 \$2,245.22 \$238,004.77
Feb, 2044 234 \$694.18 \$1,551.04 \$2,245.22 \$236,453.73
Mar, 2044 235 \$689.66 \$1,555.57 \$2,245.22 \$234,898.16
Apr, 2044 236 \$685.12 \$1,560.10 \$2,245.22 \$233,338.06
May, 2044 237 \$680.57 \$1,564.65 \$2,245.22 \$231,773.40
Jun, 2044 238 \$676.01 \$1,569.22 \$2,245.22 \$230,204.18
Jul, 2044 239 \$671.43 \$1,573.79 \$2,245.22 \$228,630.39
Aug, 2044 240 \$666.84 \$1,578.38 \$2,245.22 \$227,052.00
Sep, 2044 241 \$662.24 \$1,582.99 \$2,245.22 \$225,469.02
Oct, 2044 242 \$657.62 \$1,587.61 \$2,245.22 \$223,881.41
Nov, 2044 243 \$652.99 \$1,592.24 \$2,245.22 \$222,289.17
Dec, 2044 244 \$648.34 \$1,596.88 \$2,245.22 \$220,692.29
Jan, 2045 245 \$643.69 \$1,601.54 \$2,245.22 \$219,090.76
Feb, 2045 246 \$639.01 \$1,606.21 \$2,245.22 \$217,484.55
Mar, 2045 247 \$634.33 \$1,610.89 \$2,245.22 \$215,873.65
Apr, 2045 248 \$629.63 \$1,615.59 \$2,245.22 \$214,258.06
May, 2045 249 \$624.92 \$1,620.30 \$2,245.22 \$212,637.76
Jun, 2045 250 \$620.19 \$1,625.03 \$2,245.22 \$211,012.73
Jul, 2045 251 \$615.45 \$1,629.77 \$2,245.22 \$209,382.96
Aug, 2045 252 \$610.70 \$1,634.52 \$2,245.22 \$207,748.44
Sep, 2045 253 \$605.93 \$1,639.29 \$2,245.22 \$206,109.15
Oct, 2045 254 \$601.15 \$1,644.07 \$2,245.22 \$204,465.07
Nov, 2045 255 \$596.36 \$1,648.87 \$2,245.22 \$202,816.21
Dec, 2045 256 \$591.55 \$1,653.68 \$2,245.22 \$201,162.53
Jan, 2046 257 \$586.72 \$1,658.50 \$2,245.22 \$199,504.03
Feb, 2046 258 \$581.89 \$1,663.34 \$2,245.22 \$197,840.69
Mar, 2046 259 \$577.04 \$1,668.19 \$2,245.22 \$196,172.51
Apr, 2046 260 \$572.17 \$1,673.05 \$2,245.22 \$194,499.45
May, 2046 261 \$567.29 \$1,677.93 \$2,245.22 \$192,821.52
Jun, 2046 262 \$562.40 \$1,682.83 \$2,245.22 \$191,138.69
Jul, 2046 263 \$557.49 \$1,687.74 \$2,245.22 \$189,450.96
Aug, 2046 264 \$552.57 \$1,692.66 \$2,245.22 \$187,758.30
Sep, 2046 265 \$547.63 \$1,697.60 \$2,245.22 \$186,060.70
Oct, 2046 266 \$542.68 \$1,702.55 \$2,245.22 \$184,358.16
Nov, 2046 267 \$537.71 \$1,707.51 \$2,245.22 \$182,650.64
Dec, 2046 268 \$532.73 \$1,712.49 \$2,245.22 \$180,938.15
Jan, 2047 269 \$527.74 \$1,717.49 \$2,245.22 \$179,220.66
Feb, 2047 270 \$522.73 \$1,722.50 \$2,245.22 \$177,498.17
Mar, 2047 271 \$517.70 \$1,727.52 \$2,245.22 \$175,770.65
Apr, 2047 272 \$512.66 \$1,732.56 \$2,245.22 \$174,038.09
May, 2047 273 \$507.61 \$1,737.61 \$2,245.22 \$172,300.48
Jun, 2047 274 \$502.54 \$1,742.68 \$2,245.22 \$170,557.80
Jul, 2047 275 \$497.46 \$1,747.76 \$2,245.22 \$168,810.03
Aug, 2047 276 \$492.36 \$1,752.86 \$2,245.22 \$167,057.17
Sep, 2047 277 \$487.25 \$1,757.97 \$2,245.22 \$165,299.20
Oct, 2047 278 \$482.12 \$1,763.10 \$2,245.22 \$163,536.10
Nov, 2047 279 \$476.98 \$1,768.24 \$2,245.22 \$161,767.85
Dec, 2047 280 \$471.82 \$1,773.40 \$2,245.22 \$159,994.45
Jan, 2048 281 \$466.65 \$1,778.57 \$2,245.22 \$158,215.88
Feb, 2048 282 \$461.46 \$1,783.76 \$2,245.22 \$156,432.12
Mar, 2048 283 \$456.26 \$1,788.96 \$2,245.22 \$154,643.16
Apr, 2048 284 \$451.04 \$1,794.18 \$2,245.22 \$152,848.98
May, 2048 285 \$445.81 \$1,799.41 \$2,245.22 \$151,049.56
Jun, 2048 286 \$440.56 \$1,804.66 \$2,245.22 \$149,244.90
Jul, 2048 287 \$435.30 \$1,809.93 \$2,245.22 \$147,434.97
Aug, 2048 288 \$430.02 \$1,815.20 \$2,245.22 \$145,619.77
Sep, 2048 289 \$424.72 \$1,820.50 \$2,245.22 \$143,799.27
Oct, 2048 290 \$419.41 \$1,825.81 \$2,245.22 \$141,973.46
Nov, 2048 291 \$414.09 \$1,831.13 \$2,245.22 \$140,142.33
Dec, 2048 292 \$408.75 \$1,836.47 \$2,245.22 \$138,305.85
Jan, 2049 293 \$403.39 \$1,841.83 \$2,245.22 \$136,464.02
Feb, 2049 294 \$398.02 \$1,847.20 \$2,245.22 \$134,616.82
Mar, 2049 295 \$392.63 \$1,852.59 \$2,245.22 \$132,764.23
Apr, 2049 296 \$387.23 \$1,857.99 \$2,245.22 \$130,906.23
May, 2049 297 \$381.81 \$1,863.41 \$2,245.22 \$129,042.82
Jun, 2049 298 \$376.37 \$1,868.85 \$2,245.22 \$127,173.97
Jul, 2049 299 \$370.92 \$1,874.30 \$2,245.22 \$125,299.67
Aug, 2049 300 \$365.46 \$1,879.77 \$2,245.22 \$123,419.91
Sep, 2049 301 \$359.97 \$1,885.25 \$2,245.22 \$121,534.66
Oct, 2049 302 \$354.48 \$1,890.75 \$2,245.22 \$119,643.91
Nov, 2049 303 \$348.96 \$1,896.26 \$2,245.22 \$117,747.65
Dec, 2049 304 \$343.43 \$1,901.79 \$2,245.22 \$115,845.85
Jan, 2050 305 \$337.88 \$1,907.34 \$2,245.22 \$113,938.51
Feb, 2050 306 \$332.32 \$1,912.90 \$2,245.22 \$112,025.61
Mar, 2050 307 \$326.74 \$1,918.48 \$2,245.22 \$110,107.13
Apr, 2050 308 \$321.15 \$1,924.08 \$2,245.22 \$108,183.05
May, 2050 309 \$315.53 \$1,929.69 \$2,245.22 \$106,253.36
Jun, 2050 310 \$309.91 \$1,935.32 \$2,245.22 \$104,318.04
Jul, 2050 311 \$304.26 \$1,940.96 \$2,245.22 \$102,377.08
Aug, 2050 312 \$298.60 \$1,946.62 \$2,245.22 \$100,430.46
Sep, 2050 313 \$292.92 \$1,952.30 \$2,245.22 \$98,478.16
Oct, 2050 314 \$287.23 \$1,958.00 \$2,245.22 \$96,520.16
Nov, 2050 315 \$281.52 \$1,963.71 \$2,245.22 \$94,556.46
Dec, 2050 316 \$275.79 \$1,969.43 \$2,245.22 \$92,587.02
Jan, 2051 317 \$270.05 \$1,975.18 \$2,245.22 \$90,611.84
Feb, 2051 318 \$264.28 \$1,980.94 \$2,245.22 \$88,630.90
Mar, 2051 319 \$258.51 \$1,986.72 \$2,245.22 \$86,644.19
Apr, 2051 320 \$252.71 \$1,992.51 \$2,245.22 \$84,651.68
May, 2051 321 \$246.90 \$1,998.32 \$2,245.22 \$82,653.35
Jun, 2051 322 \$241.07 \$2,004.15 \$2,245.22 \$80,649.20
Jul, 2051 323 \$235.23 \$2,010.00 \$2,245.22 \$78,639.21
Aug, 2051 324 \$229.36 \$2,015.86 \$2,245.22 \$76,623.35
Sep, 2051 325 \$223.48 \$2,021.74 \$2,245.22 \$74,601.61
Oct, 2051 326 \$217.59 \$2,027.64 \$2,245.22 \$72,573.97
Nov, 2051 327 \$211.67 \$2,033.55 \$2,245.22 \$70,540.42
Dec, 2051 328 \$205.74 \$2,039.48 \$2,245.22 \$68,500.94
Jan, 2052 329 \$199.79 \$2,045.43 \$2,245.22 \$66,455.51
Feb, 2052 330 \$193.83 \$2,051.39 \$2,245.22 \$64,404.12
Mar, 2052 331 \$187.85 \$2,057.38 \$2,245.22 \$62,346.74
Apr, 2052 332 \$181.84 \$2,063.38 \$2,245.22 \$60,283.36
May, 2052 333 \$175.83 \$2,069.40 \$2,245.22 \$58,213.97
Jun, 2052 334 \$169.79 \$2,075.43 \$2,245.22 \$56,138.53
Jul, 2052 335 \$163.74 \$2,081.49 \$2,245.22 \$54,057.05
Aug, 2052 336 \$157.67 \$2,087.56 \$2,245.22 \$51,969.49
Sep, 2052 337 \$151.58 \$2,093.65 \$2,245.22 \$49,875.84
Oct, 2052 338 \$145.47 \$2,099.75 \$2,245.22 \$47,776.09
Nov, 2052 339 \$139.35 \$2,105.88 \$2,245.22 \$45,670.22
Dec, 2052 340 \$133.20 \$2,112.02 \$2,245.22 \$43,558.20
Jan, 2053 341 \$127.04 \$2,118.18 \$2,245.22 \$41,440.02
Feb, 2053 342 \$120.87 \$2,124.36 \$2,245.22 \$39,315.66
Mar, 2053 343 \$114.67 \$2,130.55 \$2,245.22 \$37,185.11
Apr, 2053 344 \$108.46 \$2,136.77 \$2,245.22 \$35,048.34
May, 2053 345 \$102.22 \$2,143.00 \$2,245.22 \$32,905.34
Jun, 2053 346 \$95.97 \$2,149.25 \$2,245.22 \$30,756.09
Jul, 2053 347 \$89.71 \$2,155.52 \$2,245.22 \$28,600.58
Aug, 2053 348 \$83.42 \$2,161.81 \$2,245.22 \$26,438.77
Sep, 2053 349 \$77.11 \$2,168.11 \$2,245.22 \$24,270.66
Oct, 2053 350 \$70.79 \$2,174.43 \$2,245.22 \$22,096.23
Nov, 2053 351 \$64.45 \$2,180.78 \$2,245.22 \$19,915.45
Dec, 2053 352 \$58.09 \$2,187.14 \$2,245.22 \$17,728.31
Jan, 2054 353 \$51.71 \$2,193.52 \$2,245.22 \$15,534.80
Feb, 2054 354 \$45.31 \$2,199.91 \$2,245.22 \$13,334.88
Mar, 2054 355 \$38.89 \$2,206.33 \$2,245.22 \$11,128.55
Apr, 2054 356 \$32.46 \$2,212.77 \$2,245.22 \$8,915.79
May, 2054 357 \$26.00 \$2,219.22 \$2,245.22 \$6,696.57
Jun, 2054 358 \$19.53 \$2,225.69 \$2,245.22 \$4,470.88
Jul, 2054 359 \$13.04 \$2,232.18 \$2,245.22 \$2,238.69
Aug, 2054 360 \$6.53 \$2,238.69 \$2,245.22 \$0.00

## Should I Buy Mortgage Points?

Without Points With Points
Monthly Payment \$2,387.08 \$2,245.22
Total Interest \$359,347.53 \$308,280.44
Total Principal \$500,000.00 \$500,000.00
Total Payment \$859,347.53 \$808,280.44
Points Costs \$0 \$10,000.00
Total Interest Savings \$0 \$51,067.09
Total Savings \$0
\$41,067.09
Payoff Date Aug, 2054 Aug, 2054

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