🏦 Mortgage Comparison
Compare different loan options side-by-side. See how loan terms, rates, and types affect your monthly payment and total cost.
Loan Details
Loan Amount:
$320,000
Loan Option A
Loan Option B
Option A saves more!
Save $0 over the life of the loan
Side-by-Side Comparison
Option A
Option B
Monthly Payment
$0
$0
Total Interest
$0
$0
Points Cost
$0
$0
Total Cost
$0
$0
Payoff Date
—
—
Break-Even Analysis
Balance Over Time
Pro Tip: Paying points upfront can lower your rate, but only makes sense if you stay in the home long enough to recoup the cost through savings.
How we compare: "Total cost" is the sum of every payment over the life of the loan plus points, with no discounting for the time value of money. A shorter term almost always shows a lower total cost but a higher monthly payment, so when the two options have different terms we also show the monthly-payment difference — weigh affordability, not just the headline total. The points break-even is only shown when both options use the same loan term.