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Points and Fees Analyzer

Confused about upfront costs on your mortgage? The Points and Fees Analyzer helps you break down and compare all loan-related charges—like discount points, origination fees, and closing costs—so you can understand the real cost of borrowing and make smarter financial decisions.



Points and Fees Analyzer

Results

Monthly Payment: $0

Total Upfront Costs: $0

Break-even Period: 0 months

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What is Points and Fees Analyzer

The Points and Fees Analyzer is a mortgage cost assessment tool that helps borrowers analyze the total upfront expenses associated with securing a mortgage loan. This includes discount points (which can lower your interest rate), loan origination fees, and other lender or third-party costs like appraisal, underwriting, and title services.

This tool is especially useful when comparing multiple mortgage offers. It allows buyers and refinancers to determine whether paying points makes sense in the long run, or whether lower-fee options are more financially beneficial. Understanding points and fees is crucial because they directly affect your loan’s Annual Percentage Rate (APR) and your short-term cash flow at closing.




How it works

Points and Fees Analyzer

To use the Points and Fees Analyzer, you’ll enter your loan amount, quoted interest rate, number of points (if any), and associated fees like application charges, underwriting fees, and third-party costs. The calculator then breaks down how much you’ll pay upfront and how paying points will impact your monthly payment and long-term interest savings.

For instance, if you’re offered a ₹60,00,000 mortgage with 1 discount point (1% of the loan amount = ₹60,000), the tool will show how much your interest rate will drop—say from 7.25% to 6.90%—and how long it will take to recoup that upfront cost in monthly savings. If you plan to stay in the home long enough, the points might save you money. If not, it may be smarter to keep the upfront cost low. The analyzer helps you make that decision with clarity.



Frequently Asked Questions

What are mortgage points Toggle
Mortgage points are upfront fees you pay to reduce your interest rate. One point typically equals 1% of the loan amount.
Are points always worth paying Toggle
Only if you plan to stay in the home long enough to recover the cost through lower monthly payments. The analyzer helps calculate your break-even point.
What fees are included in the analyzer Toggle
It includes origination fees, discount points, processing fees, underwriting, appraisal, credit report charges, and other closing costs.
Do points and fees affect my loan’s APR Toggle
Yes. Your APR reflects both your interest rate and all associated costs, giving a more accurate picture of the loan’s total cost over time.
Can I negotiate points and fees with the lender Toggle
Absolutely. Many lenders offer flexibility in how fees and points are structured. You can often negotiate for lower fees or choose a no-point loan.