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Mortgage Points Calculator

WSFS Contributor

min read

January 15, 2026

Placeholder image for calculators, of chart icons on a blue background.

Should you buy points? Use the mortgage points calculator to see how buying points can reduce your interest rate, which in turn reduces your monthly payment. But each “point” will cost you 1% of your mortgage balance. The mortgage points calculator helps you determine if you should pay for points, or use the money to increase your down payment. Click on the “View Report” button to review your information.