True Breakeven Calculator — HomeWealth Solutions

Loan Inputs

Standard vs. True Breakeven
Standard breakeven divides cost of points by total P&I savings — but principal is equity you'd build anyway, not a cost reduction. The true breakeven uses interest savings only, giving a more accurate picture of when points actually pay off.

Purchase Price

Down Payment %

Down Payment $

Base Rate (no points) %

Buydown Rate (with points) %

Cost of Points ($ or % of loan) e.g. $4,000 or 2%

Tax Bracket for after-tax breakeven

Analysis Horizon months

Prepared For

Prepared By

Monthly Interest Savings

—

at lower rate

Standard Breakeven

—

P&I savings (overstated)

True Breakeven

—

interest savings only

Analysis

Enter loan details to see analysis.

Cumulative Net Savings vs. Cost of Points

Month: 36 mo

Drag slider to see cumulative savings at any month.

Detail	Base Rate	With Points	Difference

After-Tax Breakeven (if itemizing)

This communication is for informational and educational purposes only and does not constitute an offer to lend or a commitment to make a loan. All loans are subject to credit approval, underwriting guidelines, and property approval. Interest rates, payment examples, programs, and terms are illustrative, vary by borrower qualification, and are subject to change without notice. Not all applicants will qualify. Examples shown do not reflect all costs of a mortgage transaction. Consult a licensed tax or legal advisor regarding your individual situation. HomeWealth Solutions LLC is licensed by the Florida Office of Financial Regulation, Mortgage Broker License #MBR8082. Verify our licensure at www.nmlsconsumeraccess.org. Equal Housing Opportunity.