Comparison · Total Costs
Compare 3 Rates
Enter your Loan Estimate closing costs, then the rates and price of each rate — lowest, the LE rate, and highest — to compare total costs, monthly payments, your breakeven point, and total savings.
Built by Jim Blackburn · NMLS #1072866 · $500M+ closed · 7× Scotsman Guide Top Producer
Shared
10 yr = 120 · 15 yr = 180 · 30 yr = 360.
Estimated closing costs from the Loan Estimate.
Strategy A — Lowest Rate
Strategy B — Middle Road (LE Rate)
Negative = lender credit.
Strategy C — Lowest Cost Rate
Negative = lender credit.
Results
Strategy A — Lowest Rate
Strategy B — Middle Road (LE Rate)
Strategy C — Lowest Cost Rate
Breakeven Analysis
Future Savings
Estimates only — not a commitment to lend.
Professional Recommendation
If you think you'll keep this loan past the breakeven years before selling, paying off, or refinancing — and you can comfortably come up with the cash to close — then Strategy A is your best choice.
If you're more likely to pay off, refinance, or sell before the breakeven period, then Strategy C is your best choice.
If you're uncertain and caught between the two, go with Strategy B.
By Jim Blackburn
Ready to Take Your First Step?
Skip the guesswork. Take our quick Discovery Quiz to uncover your top financial priorities, so we can guide you toward the wealth-building strategies that fit your life.
- Takes just 5 minutes
- Tailored results based on your answers
- No credit check required
Want to Run This for Your Real Numbers?
Tell us about your scenario and we'll pull current pricing and run your total-cost break-even—fast.
- Only 2 minutes to complete
- Quick turnaround
- No credit score impact
Got a Few Questions First?
Let's talk it through. Book a call and one of our friendly advisors will be in touch to guide you personally.
Schedule a CallImportant Disclaimer
This calculator is for illustrative purposes only and does not constitute financial, legal, or investment advice. Results are based on general assumptions and may not reflect actual performance or eligibility. This is not a loan estimate or approval. Please consult with a licensed mortgage advisor before making financial decisions.