Mortgage Calculator Tables for
Mortgage Rates Comparisons

Should I buy Discount Points? How Much Will I Save in Interest? What Will My Monthly Payment Be?

Use the following 30 Year Fixed Mortgage Rates Tables to help guide your decision.

The following 30-Year fixed mortgage rates table is a handy tool to help with your decision to buy discount points (higher closing costs and lower mortgage rate), to hold firm with the mortgage quote given, or to take a higher mortgage rate in exchange for lower closing costs. It also provides the total interest paid for the entire 30-year term for comparison rates.

Discount Points Example

Buy Discount Points: If you pay an additional $2,000 for your closing costs (buy discount points) to get a lower mortgage rate that saves you $500 per year in payment, you will benefit after the 4th year.

$2,000 divided by $500 = 4.0 years. Additional closing costs paid for at end of year four with $500 per year savings thereafter.

Reduce Closing Costs: If you reduce your closing costs by $2000 in exchange for a higher interest rate that costs you an additional $500 in payment per year, you will benefit until the end of year 4.

$2,000 divided by $500 = 4.0 years. Closing cost savings exhausted at end of year four with $500 per year additional payment thereafter.

Choosing the proper refinance rate and closing cost for your particular loan scenario can potentially save you 10's to 100's of thousands in payment and interest over the term of the loan, depending upon the loan amount.

The key is the amount of time you plan to be in your new mortgage and how much additional, or (less) you will pay in closing costs for differing interest rates.

Click on the link in the table below for your Desired Loan Amount and Mortgage Rate quoted (or desired rate) to view the results.

Loan Amount
30 Year Fixed Rate
$100,000
5.00% Mortgage rates comparison:
Mortgage calculator table
$100,000
5.25% Mortgage rates comparison:
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$100,000
5.50% Mortgage rates comparison:
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$100,000
5.75% Mortgage rates comparison:
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$100,000
6.00% Mortgage rates comparison:
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$100,000
6.25% Mortgage rates comparison:
Mortgage calculator table
$100,000
6.50% Mortgage rates comparison:
Mortgage calculator table
$100,000
6.75% Mortgage rates comparison:
Mortgage calculator table
$100,000
7.00% Mortgage rates comparison:
Mortgage calculator table
$100,000
7.25% Mortgage rates comparison:
Mortgage calculator table
$100,000
7.50% Mortgage rates comparison:
Mortgage calculator table
$100,000
7.75% Mortgage rates comparison:
Mortgage calculator table
$100,000
8.00% Mortgage rates comparison:
Mortgage calculator table
Loan Amount
30 Year Fixed Rate
$125,000
$125,000
$125,000
$125,000
$125,000
$125,000
$125,000
$125,000
$125,000
$125,000
$125,000
$125,000
$125,000
Loan Amount
30 Year Fixed Rate
$150,000
$150,000
$150,000
$150,000
$150,000
$150,000
$150,000
$150,000
$150,000
$150,000
$150,000
$150,000
$150,000
Loan Amount
30 Year Fixed Rate
$175,000
$175,000
$175,000
$175,000
$175,000
$175,000
$175,000
$175,000
$175,000
$175,000
$175,000
$175,000
$175,000
Loan Amount
30 Year Fixed Rate
$200,000
$200,000
$200,000
$200,000
$200,000
$200,000
$200,000
$200,000
$200,000
$200,000
$200,000
$200,000
$200,000
Loan Amount
30 Year Fixed Rate
$225,000
$225,000
$225,000
$225,000
$225,000
$225,000
$225,000
$225,000
$225,000
$225,000
$225,000
$225,000
$225,000
Loan Amount
30 Year Fixed Rate
$250,000
$250,000
$250,000
$250,000
$250,000
$250,000
$250,000
$250,000
$250,000
$250,000
$250,000
$250,000
$250,000
Loan Amount
30 Year Fixed Rate
$275,000
$275,000
$275,000
$275,000
$275,000
$275,000
$275,000
$275,000
$275,000
$275,000
$275,000
$275,000
$275,000
Loan Amount
30 Year Fixed Rate
$300,000
$300,000
$300,000
$300,000
$300,000
$300,000
$300,000
$300,000
$300,000
$300,000
$300,000
$300,000
$300,000
Loan Amount
30 Year Fixed Rate
$325,000
$325,000
$325,000
$325,000
$325,000
$325,000
$325,000
$325,000
$325,000
$325,000
$325,000
$325,000
$325,000
Loan Amount
30 Year Fixed Rate
$350,000
$350,000
$350,000
$350,000
$350,000
$350,000
$350,000
$350,000
$350,000
$350,000
$350,000
$350,000
$350,000
Loan Amount
30 Year Fixed Rate
$375,000
$375,000
$375,000
$375,000
$375,000
$375,000
$375,000
$375,000
$375,000
$375,000
$375,000
$375,000
$375,000
Loan Amount
30 Year Fixed Rate
$400,000
$400,000
$400,000
$400,000
$400,000
$400,000
$400,000
$400,000
$400,000
$400,000
$400,000
$400,000
$400,000
Loan Amount
30 Year Fixed Rate
$425,000
$425,000
$425,000
$425,000
$425,000
$425,000
$425,000
$425,000
$425,000
$425,000
$425,000
$425,000
$425,000
Loan Amount
30 Year Fixed Rate
$450,000
$450,000
$450,000
$450,000
$450,000
$450,000
$450,000
$450,000
$450,000
$450,000
$450,000
$450,000
$450,000
Loan Amount
30 Year Fixed Rate
$475,000
$475,000
$475,000
$475,000
$475,000
$475,000
$475,000
$475,000
$475,000
$475,000
$475,000
$475,000
$475,000
Loan Amount
30 Year Fixed Rate
$500,000
$500,000
$500,000
$500,000
$500,000
$500,000
$500,000
$500,000
$500,000
$500,000
$500,000
$500,000
$500,000
Loan Amount
30 Year Fixed Rate
$525,000
$525,000
$525,000
$525,000
$525,000
$525,000
$525,000
$525,000
$525,000
$525,000
$525,000
$525,000
$525,000
Loan Amount
30 Year Fixed Rate
$550,000
$550,000
$550,000
$550,000
$550,000
$550,000
$550,000
$550,000
$550,000
$550,000
$550,000
$550,000
$550,000
Loan Amount
30 Year Fixed Rate
$575,000
$575,000
$575,000
$575,000
$575,000
$575,000
$575,000
$575,000
$575,000
$575,000
$575,000
$575,000
$575,000
Loan Amount
30 Year Fixed Rate
$600,000
$600,000
$600,000
$600,000
$600,000
$600,000
$600,000
$600,000