Mortgage Points Calculator

Mortgage Points Calculator is a tool to calculate how much money you it will cost or save you when you buy down discount points towards your mortgage.

Mortgage Points Break Even Calculator
Mortgage Amount	$
Interest Rate
Loan Terms	years
# of Points
Interest Rate with Points

Cost of Mortgage Points	$13,000.00
Break Even Point:	42 months
Break Even Year:	3.5 years

Discount Point Calculator
Monthly Payment Without Points:			$4,002.16
Monthly Payment With Points:			$3,690.63
Payoff Date:			Aug, 2053
Discount points cost:			$13,000.00
Interest Savings:			$112,151.99
Total Savings:			$99,151.99
Break Even Point:			42 months
Break Even Year:			3.5 years
Amortization Schedule Without Mortgage Points
Payment Date	Payment #	Interest Paid	Principal Paid	Total Payment	Remaining Balance
Sep, 2023	1	$3,385.42	$616.75	$4,002.16	$649,383.25
Oct, 2023	2	$3,382.20	$619.96	$4,002.16	$648,763.30
Nov, 2023	3	$3,378.98	$623.19	$4,002.16	$648,140.11
Dec, 2023	4	$3,375.73	$626.43	$4,002.16	$647,513.68
Jan, 2024	5	$3,372.47	$629.69	$4,002.16	$646,883.98
Feb, 2024	6	$3,369.19	$632.97	$4,002.16	$646,251.01
Mar, 2024	7	$3,365.89	$636.27	$4,002.16	$645,614.74
Apr, 2024	8	$3,362.58	$639.59	$4,002.16	$644,975.15
May, 2024	9	$3,359.25	$642.92	$4,002.16	$644,332.24
Jun, 2024	10	$3,355.90	$646.26	$4,002.16	$643,685.97
Jul, 2024	11	$3,352.53	$649.63	$4,002.16	$643,036.34
Aug, 2024	12	$3,349.15	$653.01	$4,002.16	$642,383.33
Sep, 2024	13	$3,345.75	$656.42	$4,002.16	$641,726.91
Oct, 2024	14	$3,342.33	$659.83	$4,002.16	$641,067.08
Nov, 2024	15	$3,338.89	$663.27	$4,002.16	$640,403.81
Dec, 2024	16	$3,335.44	$666.73	$4,002.16	$639,737.08
Jan, 2025	17	$3,331.96	$670.20	$4,002.16	$639,066.88
Feb, 2025	18	$3,328.47	$673.69	$4,002.16	$638,393.20
Mar, 2025	19	$3,324.96	$677.20	$4,002.16	$637,716.00
Apr, 2025	20	$3,321.44	$680.72	$4,002.16	$637,035.27
May, 2025	21	$3,317.89	$684.27	$4,002.16	$636,351.00
Jun, 2025	22	$3,314.33	$687.83	$4,002.16	$635,663.17
Jul, 2025	23	$3,310.75	$691.42	$4,002.16	$634,971.76
Aug, 2025	24	$3,307.14	$695.02	$4,002.16	$634,276.74
Sep, 2025	25	$3,303.52	$698.64	$4,002.16	$633,578.10
Oct, 2025	26	$3,299.89	$702.28	$4,002.16	$632,875.82
Nov, 2025	27	$3,296.23	$705.93	$4,002.16	$632,169.89
Dec, 2025	28	$3,292.55	$709.61	$4,002.16	$631,460.28
Jan, 2026	29	$3,288.86	$713.31	$4,002.16	$630,746.97
Feb, 2026	30	$3,285.14	$717.02	$4,002.16	$630,029.95
Mar, 2026	31	$3,281.41	$720.76	$4,002.16	$629,309.20
Apr, 2026	32	$3,277.65	$724.51	$4,002.16	$628,584.69
May, 2026	33	$3,273.88	$728.28	$4,002.16	$627,856.40
Jun, 2026	34	$3,270.09	$732.08	$4,002.16	$627,124.33
Jul, 2026	35	$3,266.27	$735.89	$4,002.16	$626,388.44
Aug, 2026	36	$3,262.44	$739.72	$4,002.16	$625,648.72
Sep, 2026	37	$3,258.59	$743.57	$4,002.16	$624,905.14
Oct, 2026	38	$3,254.71	$747.45	$4,002.16	$624,157.70
Nov, 2026	39	$3,250.82	$751.34	$4,002.16	$623,406.35
Dec, 2026	40	$3,246.91	$755.25	$4,002.16	$622,651.10
Jan, 2027	41	$3,242.97	$759.19	$4,002.16	$621,891.91
Feb, 2027	42	$3,239.02	$763.14	$4,002.16	$621,128.77
Mar, 2027	43	$3,235.05	$767.12	$4,002.16	$620,361.66
Apr, 2027	44	$3,231.05	$771.11	$4,002.16	$619,590.54
May, 2027	45	$3,227.03	$775.13	$4,002.16	$618,815.42
Jun, 2027	46	$3,223.00	$779.16	$4,002.16	$618,036.25
Jul, 2027	47	$3,218.94	$783.22	$4,002.16	$617,253.03
Aug, 2027	48	$3,214.86	$787.30	$4,002.16	$616,465.73
Sep, 2027	49	$3,210.76	$791.40	$4,002.16	$615,674.32
Oct, 2027	50	$3,206.64	$795.52	$4,002.16	$614,878.80
Nov, 2027	51	$3,202.49	$799.67	$4,002.16	$614,079.13
Dec, 2027	52	$3,198.33	$803.83	$4,002.16	$613,275.30
Jan, 2028	53	$3,194.14	$808.02	$4,002.16	$612,467.28
Feb, 2028	54	$3,189.93	$812.23	$4,002.16	$611,655.05
Mar, 2028	55	$3,185.70	$816.46	$4,002.16	$610,838.59
Apr, 2028	56	$3,181.45	$820.71	$4,002.16	$610,017.88
May, 2028	57	$3,177.18	$824.99	$4,002.16	$609,192.90
Jun, 2028	58	$3,172.88	$829.28	$4,002.16	$608,363.61
Jul, 2028	59	$3,168.56	$833.60	$4,002.16	$607,530.01
Aug, 2028	60	$3,164.22	$837.94	$4,002.16	$606,692.07
Sep, 2028	61	$3,159.85	$842.31	$4,002.16	$605,849.76
Oct, 2028	62	$3,155.47	$846.69	$4,002.16	$605,003.07
Nov, 2028	63	$3,151.06	$851.10	$4,002.16	$604,151.96
Dec, 2028	64	$3,146.62	$855.54	$4,002.16	$603,296.43
Jan, 2029	65	$3,142.17	$859.99	$4,002.16	$602,436.43
Feb, 2029	66	$3,137.69	$864.47	$4,002.16	$601,571.96
Mar, 2029	67	$3,133.19	$868.97	$4,002.16	$600,702.99
Apr, 2029	68	$3,128.66	$873.50	$4,002.16	$599,829.49
May, 2029	69	$3,124.11	$878.05	$4,002.16	$598,951.44
Jun, 2029	70	$3,119.54	$882.62	$4,002.16	$598,068.81
Jul, 2029	71	$3,114.94	$887.22	$4,002.16	$597,181.59
Aug, 2029	72	$3,110.32	$891.84	$4,002.16	$596,289.75
Sep, 2029	73	$3,105.68	$896.49	$4,002.16	$595,393.27
Oct, 2029	74	$3,101.01	$901.16	$4,002.16	$594,492.11
Nov, 2029	75	$3,096.31	$905.85	$4,002.16	$593,586.26
Dec, 2029	76	$3,091.60	$910.57	$4,002.16	$592,675.70
Jan, 2030	77	$3,086.85	$915.31	$4,002.16	$591,760.39
Feb, 2030	78	$3,082.09	$920.08	$4,002.16	$590,840.31
Mar, 2030	79	$3,077.29	$924.87	$4,002.16	$589,915.44
Apr, 2030	80	$3,072.48	$929.69	$4,002.16	$588,985.76
May, 2030	81	$3,067.63	$934.53	$4,002.16	$588,051.23
Jun, 2030	82	$3,062.77	$939.39	$4,002.16	$587,111.83
Jul, 2030	83	$3,057.87	$944.29	$4,002.16	$586,167.55
Aug, 2030	84	$3,052.96	$949.21	$4,002.16	$585,218.34
Sep, 2030	85	$3,048.01	$954.15	$4,002.16	$584,264.19
Oct, 2030	86	$3,043.04	$959.12	$4,002.16	$583,305.07
Nov, 2030	87	$3,038.05	$964.11	$4,002.16	$582,340.96
Dec, 2030	88	$3,033.03	$969.14	$4,002.16	$581,371.82
Jan, 2031	89	$3,027.98	$974.18	$4,002.16	$580,397.64
Feb, 2031	90	$3,022.90	$979.26	$4,002.16	$579,418.38
Mar, 2031	91	$3,017.80	$984.36	$4,002.16	$578,434.02
Apr, 2031	92	$3,012.68	$989.48	$4,002.16	$577,444.54
May, 2031	93	$3,007.52	$994.64	$4,002.16	$576,449.90
Jun, 2031	94	$3,002.34	$999.82	$4,002.16	$575,450.08
Jul, 2031	95	$2,997.14	$1,005.03	$4,002.16	$574,445.05
Aug, 2031	96	$2,991.90	$1,010.26	$4,002.16	$573,434.79
Sep, 2031	97	$2,986.64	$1,015.52	$4,002.16	$572,419.27
Oct, 2031	98	$2,981.35	$1,020.81	$4,002.16	$571,398.46
Nov, 2031	99	$2,976.03	$1,026.13	$4,002.16	$570,372.33
Dec, 2031	100	$2,970.69	$1,031.47	$4,002.16	$569,340.86
Jan, 2032	101	$2,965.32	$1,036.84	$4,002.16	$568,304.02
Feb, 2032	102	$2,959.92	$1,042.25	$4,002.16	$567,261.77
Mar, 2032	103	$2,954.49	$1,047.67	$4,002.16	$566,214.10
Apr, 2032	104	$2,949.03	$1,053.13	$4,002.16	$565,160.97
May, 2032	105	$2,943.55	$1,058.62	$4,002.16	$564,102.35
Jun, 2032	106	$2,938.03	$1,064.13	$4,002.16	$563,038.22
Jul, 2032	107	$2,932.49	$1,069.67	$4,002.16	$561,968.55
Aug, 2032	108	$2,926.92	$1,075.24	$4,002.16	$560,893.31
Sep, 2032	109	$2,921.32	$1,080.84	$4,002.16	$559,812.47
Oct, 2032	110	$2,915.69	$1,086.47	$4,002.16	$558,726.00
Nov, 2032	111	$2,910.03	$1,092.13	$4,002.16	$557,633.86
Dec, 2032	112	$2,904.34	$1,097.82	$4,002.16	$556,536.05
Jan, 2033	113	$2,898.63	$1,103.54	$4,002.16	$555,432.51
Feb, 2033	114	$2,892.88	$1,109.28	$4,002.16	$554,323.23
Mar, 2033	115	$2,887.10	$1,115.06	$4,002.16	$553,208.16
Apr, 2033	116	$2,881.29	$1,120.87	$4,002.16	$552,087.29
May, 2033	117	$2,875.45	$1,126.71	$4,002.16	$550,960.59
Jun, 2033	118	$2,869.59	$1,132.58	$4,002.16	$549,828.01
Jul, 2033	119	$2,863.69	$1,138.47	$4,002.16	$548,689.54
Aug, 2033	120	$2,857.76	$1,144.40	$4,002.16	$547,545.13
Sep, 2033	121	$2,851.80	$1,150.36	$4,002.16	$546,394.77
Oct, 2033	122	$2,845.81	$1,156.36	$4,002.16	$545,238.41
Nov, 2033	123	$2,839.78	$1,162.38	$4,002.16	$544,076.04
Dec, 2033	124	$2,833.73	$1,168.43	$4,002.16	$542,907.60
Jan, 2034	125	$2,827.64	$1,174.52	$4,002.16	$541,733.08
Feb, 2034	126	$2,821.53	$1,180.64	$4,002.16	$540,552.45
Mar, 2034	127	$2,815.38	$1,186.78	$4,002.16	$539,365.67
Apr, 2034	128	$2,809.20	$1,192.97	$4,002.16	$538,172.70
May, 2034	129	$2,802.98	$1,199.18	$4,002.16	$536,973.52
Jun, 2034	130	$2,796.74	$1,205.42	$4,002.16	$535,768.10
Jul, 2034	131	$2,790.46	$1,211.70	$4,002.16	$534,556.39
Aug, 2034	132	$2,784.15	$1,218.01	$4,002.16	$533,338.38
Sep, 2034	133	$2,777.80	$1,224.36	$4,002.16	$532,114.02
Oct, 2034	134	$2,771.43	$1,230.73	$4,002.16	$530,883.29
Nov, 2034	135	$2,765.02	$1,237.14	$4,002.16	$529,646.14
Dec, 2034	136	$2,758.57	$1,243.59	$4,002.16	$528,402.55
Jan, 2035	137	$2,752.10	$1,250.07	$4,002.16	$527,152.49
Feb, 2035	138	$2,745.59	$1,256.58	$4,002.16	$525,895.91
Mar, 2035	139	$2,739.04	$1,263.12	$4,002.16	$524,632.79
Apr, 2035	140	$2,732.46	$1,269.70	$4,002.16	$523,363.09
May, 2035	141	$2,725.85	$1,276.31	$4,002.16	$522,086.78
Jun, 2035	142	$2,719.20	$1,282.96	$4,002.16	$520,803.82
Jul, 2035	143	$2,712.52	$1,289.64	$4,002.16	$519,514.18
Aug, 2035	144	$2,705.80	$1,296.36	$4,002.16	$518,217.82
Sep, 2035	145	$2,699.05	$1,303.11	$4,002.16	$516,914.71
Oct, 2035	146	$2,692.26	$1,309.90	$4,002.16	$515,604.81
Nov, 2035	147	$2,685.44	$1,316.72	$4,002.16	$514,288.09
Dec, 2035	148	$2,678.58	$1,323.58	$4,002.16	$512,964.51
Jan, 2036	149	$2,671.69	$1,330.47	$4,002.16	$511,634.04
Feb, 2036	150	$2,664.76	$1,337.40	$4,002.16	$510,296.64
Mar, 2036	151	$2,657.80	$1,344.37	$4,002.16	$508,952.27
Apr, 2036	152	$2,650.79	$1,351.37	$4,002.16	$507,600.90
May, 2036	153	$2,643.75	$1,358.41	$4,002.16	$506,242.50
Jun, 2036	154	$2,636.68	$1,365.48	$4,002.16	$504,877.02
Jul, 2036	155	$2,629.57	$1,372.59	$4,002.16	$503,504.42
Aug, 2036	156	$2,622.42	$1,379.74	$4,002.16	$502,124.68
Sep, 2036	157	$2,615.23	$1,386.93	$4,002.16	$500,737.75
Oct, 2036	158	$2,608.01	$1,394.15	$4,002.16	$499,343.60
Nov, 2036	159	$2,600.75	$1,401.41	$4,002.16	$497,942.18
Dec, 2036	160	$2,593.45	$1,408.71	$4,002.16	$496,533.47
Jan, 2037	161	$2,586.11	$1,416.05	$4,002.16	$495,117.42
Feb, 2037	162	$2,578.74	$1,423.43	$4,002.16	$493,693.99
Mar, 2037	163	$2,571.32	$1,430.84	$4,002.16	$492,263.16
Apr, 2037	164	$2,563.87	$1,438.29	$4,002.16	$490,824.86
May, 2037	165	$2,556.38	$1,445.78	$4,002.16	$489,379.08
Jun, 2037	166	$2,548.85	$1,453.31	$4,002.16	$487,925.77
Jul, 2037	167	$2,541.28	$1,460.88	$4,002.16	$486,464.89
Aug, 2037	168	$2,533.67	$1,468.49	$4,002.16	$484,996.40
Sep, 2037	169	$2,526.02	$1,476.14	$4,002.16	$483,520.26
Oct, 2037	170	$2,518.33	$1,483.83	$4,002.16	$482,036.43
Nov, 2037	171	$2,510.61	$1,491.56	$4,002.16	$480,544.88
Dec, 2037	172	$2,502.84	$1,499.32	$4,002.16	$479,045.55
Jan, 2038	173	$2,495.03	$1,507.13	$4,002.16	$477,538.42
Feb, 2038	174	$2,487.18	$1,514.98	$4,002.16	$476,023.44
Mar, 2038	175	$2,479.29	$1,522.87	$4,002.16	$474,500.56
Apr, 2038	176	$2,471.36	$1,530.80	$4,002.16	$472,969.76
May, 2038	177	$2,463.38	$1,538.78	$4,002.16	$471,430.98
Jun, 2038	178	$2,455.37	$1,546.79	$4,002.16	$469,884.19
Jul, 2038	179	$2,447.31	$1,554.85	$4,002.16	$468,329.34
Aug, 2038	180	$2,439.22	$1,562.95	$4,002.16	$466,766.39
Sep, 2038	181	$2,431.07	$1,571.09	$4,002.16	$465,195.31
Oct, 2038	182	$2,422.89	$1,579.27	$4,002.16	$463,616.04
Nov, 2038	183	$2,414.67	$1,587.49	$4,002.16	$462,028.54
Dec, 2038	184	$2,406.40	$1,595.76	$4,002.16	$460,432.78
Jan, 2039	185	$2,398.09	$1,604.07	$4,002.16	$458,828.71
Feb, 2039	186	$2,389.73	$1,612.43	$4,002.16	$457,216.28
Mar, 2039	187	$2,381.33	$1,620.83	$4,002.16	$455,595.45
Apr, 2039	188	$2,372.89	$1,629.27	$4,002.16	$453,966.18
May, 2039	189	$2,364.41	$1,637.75	$4,002.16	$452,328.43
Jun, 2039	190	$2,355.88	$1,646.28	$4,002.16	$450,682.14
Jul, 2039	191	$2,347.30	$1,654.86	$4,002.16	$449,027.28
Aug, 2039	192	$2,338.68	$1,663.48	$4,002.16	$447,363.80
Sep, 2039	193	$2,330.02	$1,672.14	$4,002.16	$445,691.66
Oct, 2039	194	$2,321.31	$1,680.85	$4,002.16	$444,010.81
Nov, 2039	195	$2,312.56	$1,689.61	$4,002.16	$442,321.21
Dec, 2039	196	$2,303.76	$1,698.41	$4,002.16	$440,622.80
Jan, 2040	197	$2,294.91	$1,707.25	$4,002.16	$438,915.55
Feb, 2040	198	$2,286.02	$1,716.14	$4,002.16	$437,199.41
Mar, 2040	199	$2,277.08	$1,725.08	$4,002.16	$435,474.32
Apr, 2040	200	$2,268.10	$1,734.07	$4,002.16	$433,740.26
May, 2040	201	$2,259.06	$1,743.10	$4,002.16	$431,997.16
Jun, 2040	202	$2,249.99	$1,752.18	$4,002.16	$430,244.98
Jul, 2040	203	$2,240.86	$1,761.30	$4,002.16	$428,483.68
Aug, 2040	204	$2,231.69	$1,770.48	$4,002.16	$426,713.21
Sep, 2040	205	$2,222.46	$1,779.70	$4,002.16	$424,933.51
Oct, 2040	206	$2,213.20	$1,788.97	$4,002.16	$423,144.54
Nov, 2040	207	$2,203.88	$1,798.28	$4,002.16	$421,346.26
Dec, 2040	208	$2,194.51	$1,807.65	$4,002.16	$419,538.61
Jan, 2041	209	$2,185.10	$1,817.06	$4,002.16	$417,721.54
Feb, 2041	210	$2,175.63	$1,826.53	$4,002.16	$415,895.01
Mar, 2041	211	$2,166.12	$1,836.04	$4,002.16	$414,058.97
Apr, 2041	212	$2,156.56	$1,845.60	$4,002.16	$412,213.37
May, 2041	213	$2,146.94	$1,855.22	$4,002.16	$410,358.15
Jun, 2041	214	$2,137.28	$1,864.88	$4,002.16	$408,493.27
Jul, 2041	215	$2,127.57	$1,874.59	$4,002.16	$406,618.68
Aug, 2041	216	$2,117.81	$1,884.36	$4,002.16	$404,734.32
Sep, 2041	217	$2,107.99	$1,894.17	$4,002.16	$402,840.15
Oct, 2041	218	$2,098.13	$1,904.04	$4,002.16	$400,936.11
Nov, 2041	219	$2,088.21	$1,913.95	$4,002.16	$399,022.16
Dec, 2041	220	$2,078.24	$1,923.92	$4,002.16	$397,098.24
Jan, 2042	221	$2,068.22	$1,933.94	$4,002.16	$395,164.30
Feb, 2042	222	$2,058.15	$1,944.01	$4,002.16	$393,220.28
Mar, 2042	223	$2,048.02	$1,954.14	$4,002.16	$391,266.15
Apr, 2042	224	$2,037.84	$1,964.32	$4,002.16	$389,301.83
May, 2042	225	$2,027.61	$1,974.55	$4,002.16	$387,327.28
Jun, 2042	226	$2,017.33	$1,984.83	$4,002.16	$385,342.45
Jul, 2042	227	$2,006.99	$1,995.17	$4,002.16	$383,347.28
Aug, 2042	228	$1,996.60	$2,005.56	$4,002.16	$381,341.72
Sep, 2042	229	$1,986.15	$2,016.01	$4,002.16	$379,325.71
Oct, 2042	230	$1,975.65	$2,026.51	$4,002.16	$377,299.20
Nov, 2042	231	$1,965.10	$2,037.06	$4,002.16	$375,262.14
Dec, 2042	232	$1,954.49	$2,047.67	$4,002.16	$373,214.47
Jan, 2043	233	$1,943.83	$2,058.34	$4,002.16	$371,156.13
Feb, 2043	234	$1,933.10	$2,069.06	$4,002.16	$369,087.08
Mar, 2043	235	$1,922.33	$2,079.83	$4,002.16	$367,007.24
Apr, 2043	236	$1,911.50	$2,090.67	$4,002.16	$364,916.58
May, 2043	237	$1,900.61	$2,101.55	$4,002.16	$362,815.02
Jun, 2043	238	$1,889.66	$2,112.50	$4,002.16	$360,702.52
Jul, 2043	239	$1,878.66	$2,123.50	$4,002.16	$358,579.02
Aug, 2043	240	$1,867.60	$2,134.56	$4,002.16	$356,444.46
Sep, 2043	241	$1,856.48	$2,145.68	$4,002.16	$354,298.78
Oct, 2043	242	$1,845.31	$2,156.86	$4,002.16	$352,141.92
Nov, 2043	243	$1,834.07	$2,168.09	$4,002.16	$349,973.83
Dec, 2043	244	$1,822.78	$2,179.38	$4,002.16	$347,794.45
Jan, 2044	245	$1,811.43	$2,190.73	$4,002.16	$345,603.72
Feb, 2044	246	$1,800.02	$2,202.14	$4,002.16	$343,401.57
Mar, 2044	247	$1,788.55	$2,213.61	$4,002.16	$341,187.96
Apr, 2044	248	$1,777.02	$2,225.14	$4,002.16	$338,962.82
May, 2044	249	$1,765.43	$2,236.73	$4,002.16	$336,726.09
Jun, 2044	250	$1,753.78	$2,248.38	$4,002.16	$334,477.71
Jul, 2044	251	$1,742.07	$2,260.09	$4,002.16	$332,217.62
Aug, 2044	252	$1,730.30	$2,271.86	$4,002.16	$329,945.76
Sep, 2044	253	$1,718.47	$2,283.69	$4,002.16	$327,662.06
Oct, 2044	254	$1,706.57	$2,295.59	$4,002.16	$325,366.48
Nov, 2044	255	$1,694.62	$2,307.54	$4,002.16	$323,058.93
Dec, 2044	256	$1,682.60	$2,319.56	$4,002.16	$320,739.37
Jan, 2045	257	$1,670.52	$2,331.64	$4,002.16	$318,407.72
Feb, 2045	258	$1,658.37	$2,343.79	$4,002.16	$316,063.94
Mar, 2045	259	$1,646.17	$2,356.00	$4,002.16	$313,707.94
Apr, 2045	260	$1,633.90	$2,368.27	$4,002.16	$311,339.67
May, 2045	261	$1,621.56	$2,380.60	$4,002.16	$308,959.07
Jun, 2045	262	$1,609.16	$2,393.00	$4,002.16	$306,566.07
Jul, 2045	263	$1,596.70	$2,405.46	$4,002.16	$304,160.61
Aug, 2045	264	$1,584.17	$2,417.99	$4,002.16	$301,742.62
Sep, 2045	265	$1,571.58	$2,430.59	$4,002.16	$299,312.03
Oct, 2045	266	$1,558.92	$2,443.24	$4,002.16	$296,868.79
Nov, 2045	267	$1,546.19	$2,455.97	$4,002.16	$294,412.82
Dec, 2045	268	$1,533.40	$2,468.76	$4,002.16	$291,944.05
Jan, 2046	269	$1,520.54	$2,481.62	$4,002.16	$289,462.43
Feb, 2046	270	$1,507.62	$2,494.54	$4,002.16	$286,967.89
Mar, 2046	271	$1,494.62	$2,507.54	$4,002.16	$284,460.35
Apr, 2046	272	$1,481.56	$2,520.60	$4,002.16	$281,939.75
May, 2046	273	$1,468.44	$2,533.73	$4,002.16	$279,406.03
Jun, 2046	274	$1,455.24	$2,546.92	$4,002.16	$276,859.11
Jul, 2046	275	$1,441.97	$2,560.19	$4,002.16	$274,298.92
Aug, 2046	276	$1,428.64	$2,573.52	$4,002.16	$271,725.40
Sep, 2046	277	$1,415.24	$2,586.93	$4,002.16	$269,138.47
Oct, 2046	278	$1,401.76	$2,600.40	$4,002.16	$266,538.07
Nov, 2046	279	$1,388.22	$2,613.94	$4,002.16	$263,924.13
Dec, 2046	280	$1,374.60	$2,627.56	$4,002.16	$261,296.57
Jan, 2047	281	$1,360.92	$2,641.24	$4,002.16	$258,655.33
Feb, 2047	282	$1,347.16	$2,655.00	$4,002.16	$256,000.33
Mar, 2047	283	$1,333.34	$2,668.83	$4,002.16	$253,331.51
Apr, 2047	284	$1,319.43	$2,682.73	$4,002.16	$250,648.78
May, 2047	285	$1,305.46	$2,696.70	$4,002.16	$247,952.08
Jun, 2047	286	$1,291.42	$2,710.74	$4,002.16	$245,241.34
Jul, 2047	287	$1,277.30	$2,724.86	$4,002.16	$242,516.47
Aug, 2047	288	$1,263.11	$2,739.06	$4,002.16	$239,777.42
Sep, 2047	289	$1,248.84	$2,753.32	$4,002.16	$237,024.10
Oct, 2047	290	$1,234.50	$2,767.66	$4,002.16	$234,256.44
Nov, 2047	291	$1,220.09	$2,782.08	$4,002.16	$231,474.36
Dec, 2047	292	$1,205.60	$2,796.57	$4,002.16	$228,677.79
Jan, 2048	293	$1,191.03	$2,811.13	$4,002.16	$225,866.66
Feb, 2048	294	$1,176.39	$2,825.77	$4,002.16	$223,040.89
Mar, 2048	295	$1,161.67	$2,840.49	$4,002.16	$220,200.40
Apr, 2048	296	$1,146.88	$2,855.28	$4,002.16	$217,345.11
May, 2048	297	$1,132.01	$2,870.16	$4,002.16	$214,474.96
Jun, 2048	298	$1,117.06	$2,885.10	$4,002.16	$211,589.85
Jul, 2048	299	$1,102.03	$2,900.13	$4,002.16	$208,689.72
Aug, 2048	300	$1,086.93	$2,915.24	$4,002.16	$205,774.48
Sep, 2048	301	$1,071.74	$2,930.42	$4,002.16	$202,844.07
Oct, 2048	302	$1,056.48	$2,945.68	$4,002.16	$199,898.38
Nov, 2048	303	$1,041.14	$2,961.02	$4,002.16	$196,937.36
Dec, 2048	304	$1,025.72	$2,976.45	$4,002.16	$193,960.91
Jan, 2049	305	$1,010.21	$2,991.95	$4,002.16	$190,968.96
Feb, 2049	306	$994.63	$3,007.53	$4,002.16	$187,961.43
Mar, 2049	307	$978.97	$3,023.20	$4,002.16	$184,938.24
Apr, 2049	308	$963.22	$3,038.94	$4,002.16	$181,899.29
May, 2049	309	$947.39	$3,054.77	$4,002.16	$178,844.52
Jun, 2049	310	$931.48	$3,070.68	$4,002.16	$175,773.84
Jul, 2049	311	$915.49	$3,086.67	$4,002.16	$172,687.17
Aug, 2049	312	$899.41	$3,102.75	$4,002.16	$169,584.42
Sep, 2049	313	$883.25	$3,118.91	$4,002.16	$166,465.51
Oct, 2049	314	$867.01	$3,135.15	$4,002.16	$163,330.36
Nov, 2049	315	$850.68	$3,151.48	$4,002.16	$160,178.88
Dec, 2049	316	$834.26	$3,167.90	$4,002.16	$157,010.98
Jan, 2050	317	$817.77	$3,184.40	$4,002.16	$153,826.58
Feb, 2050	318	$801.18	$3,200.98	$4,002.16	$150,625.60
Mar, 2050	319	$784.51	$3,217.65	$4,002.16	$147,407.95
Apr, 2050	320	$767.75	$3,234.41	$4,002.16	$144,173.53
May, 2050	321	$750.90	$3,251.26	$4,002.16	$140,922.28
Jun, 2050	322	$733.97	$3,268.19	$4,002.16	$137,654.09
Jul, 2050	323	$716.95	$3,285.21	$4,002.16	$134,368.87
Aug, 2050	324	$699.84	$3,302.32	$4,002.16	$131,066.55
Sep, 2050	325	$682.64	$3,319.52	$4,002.16	$127,747.02
Oct, 2050	326	$665.35	$3,336.81	$4,002.16	$124,410.21
Nov, 2050	327	$647.97	$3,354.19	$4,002.16	$121,056.02
Dec, 2050	328	$630.50	$3,371.66	$4,002.16	$117,684.36
Jan, 2051	329	$612.94	$3,389.22	$4,002.16	$114,295.14
Feb, 2051	330	$595.29	$3,406.87	$4,002.16	$110,888.26
Mar, 2051	331	$577.54	$3,424.62	$4,002.16	$107,463.64
Apr, 2051	332	$559.71	$3,442.46	$4,002.16	$104,021.19
May, 2051	333	$541.78	$3,460.38	$4,002.16	$100,560.80
Jun, 2051	334	$523.75	$3,478.41	$4,002.16	$97,082.39
Jul, 2051	335	$505.64	$3,496.52	$4,002.16	$93,585.87
Aug, 2051	336	$487.43	$3,514.74	$4,002.16	$90,071.13
Sep, 2051	337	$469.12	$3,533.04	$4,002.16	$86,538.09
Oct, 2051	338	$450.72	$3,551.44	$4,002.16	$82,986.65
Nov, 2051	339	$432.22	$3,569.94	$4,002.16	$79,416.71
Dec, 2051	340	$413.63	$3,588.53	$4,002.16	$75,828.18
Jan, 2052	341	$394.94	$3,607.22	$4,002.16	$72,220.95
Feb, 2052	342	$376.15	$3,626.01	$4,002.16	$68,594.94
Mar, 2052	343	$357.27	$3,644.90	$4,002.16	$64,950.05
Apr, 2052	344	$338.28	$3,663.88	$4,002.16	$61,286.17
May, 2052	345	$319.20	$3,682.96	$4,002.16	$57,603.20
Jun, 2052	346	$300.02	$3,702.15	$4,002.16	$53,901.06
Jul, 2052	347	$280.73	$3,721.43	$4,002.16	$50,179.63
Aug, 2052	348	$261.35	$3,740.81	$4,002.16	$46,438.82
Sep, 2052	349	$241.87	$3,760.29	$4,002.16	$42,678.53
Oct, 2052	350	$222.28	$3,779.88	$4,002.16	$38,898.65
Nov, 2052	351	$202.60	$3,799.56	$4,002.16	$35,099.09
Dec, 2052	352	$182.81	$3,819.35	$4,002.16	$31,279.73
Jan, 2053	353	$162.92	$3,839.25	$4,002.16	$27,440.49
Feb, 2053	354	$142.92	$3,859.24	$4,002.16	$23,581.24
Mar, 2053	355	$122.82	$3,879.34	$4,002.16	$19,701.90
Apr, 2053	356	$102.61	$3,899.55	$4,002.16	$15,802.35
May, 2053	357	$82.30	$3,919.86	$4,002.16	$11,882.50
Jun, 2053	358	$61.89	$3,940.27	$4,002.16	$7,942.22
Jul, 2053	359	$41.37	$3,960.80	$4,002.16	$3,981.43
Aug, 2053	360	$20.74	$3,981.43	$4,002.16	$0.00
Amortization Schedule With Mortgage Points
Payment Date	Payment #	Interest Paid	Principal Paid	Total Payment	Remaining Balance
Sep, 2023	1	$2,979.17	$711.46	$3,690.63	$649,288.54
Oct, 2023	2	$2,975.91	$714.72	$3,690.63	$648,573.82
Nov, 2023	3	$2,972.63	$718.00	$3,690.63	$647,855.82
Dec, 2023	4	$2,969.34	$721.29	$3,690.63	$647,134.53
Jan, 2024	5	$2,966.03	$724.60	$3,690.63	$646,409.93
Feb, 2024	6	$2,962.71	$727.92	$3,690.63	$645,682.02
Mar, 2024	7	$2,959.38	$731.25	$3,690.63	$644,950.76
Apr, 2024	8	$2,956.02	$734.60	$3,690.63	$644,216.16
May, 2024	9	$2,952.66	$737.97	$3,690.63	$643,478.19
Jun, 2024	10	$2,949.28	$741.35	$3,690.63	$642,736.83
Jul, 2024	11	$2,945.88	$744.75	$3,690.63	$641,992.08
Aug, 2024	12	$2,942.46	$748.16	$3,690.63	$641,243.92
Sep, 2024	13	$2,939.03	$751.59	$3,690.63	$640,492.32
Oct, 2024	14	$2,935.59	$755.04	$3,690.63	$639,737.29
Nov, 2024	15	$2,932.13	$758.50	$3,690.63	$638,978.79
Dec, 2024	16	$2,928.65	$761.98	$3,690.63	$638,216.81
Jan, 2025	17	$2,925.16	$765.47	$3,690.63	$637,451.34
Feb, 2025	18	$2,921.65	$768.98	$3,690.63	$636,682.37
Mar, 2025	19	$2,918.13	$772.50	$3,690.63	$635,909.87
Apr, 2025	20	$2,914.59	$776.04	$3,690.63	$635,133.82
May, 2025	21	$2,911.03	$779.60	$3,690.63	$634,354.23
Jun, 2025	22	$2,907.46	$783.17	$3,690.63	$633,571.05
Jul, 2025	23	$2,903.87	$786.76	$3,690.63	$632,784.29
Aug, 2025	24	$2,900.26	$790.37	$3,690.63	$631,993.93
Sep, 2025	25	$2,896.64	$793.99	$3,690.63	$631,199.94
Oct, 2025	26	$2,893.00	$797.63	$3,690.63	$630,402.31
Nov, 2025	27	$2,889.34	$801.28	$3,690.63	$629,601.02
Dec, 2025	28	$2,885.67	$804.96	$3,690.63	$628,796.06
Jan, 2026	29	$2,881.98	$808.65	$3,690.63	$627,987.42
Feb, 2026	30	$2,878.28	$812.35	$3,690.63	$627,175.07
Mar, 2026	31	$2,874.55	$816.08	$3,690.63	$626,358.99
Apr, 2026	32	$2,870.81	$819.82	$3,690.63	$625,539.17
May, 2026	33	$2,867.05	$823.57	$3,690.63	$624,715.60
Jun, 2026	34	$2,863.28	$827.35	$3,690.63	$623,888.25
Jul, 2026	35	$2,859.49	$831.14	$3,690.63	$623,057.11
Aug, 2026	36	$2,855.68	$834.95	$3,690.63	$622,222.16
Sep, 2026	37	$2,851.85	$838.78	$3,690.63	$621,383.38
Oct, 2026	38	$2,848.01	$842.62	$3,690.63	$620,540.76
Nov, 2026	39	$2,844.15	$846.48	$3,690.63	$619,694.28
Dec, 2026	40	$2,840.27	$850.36	$3,690.63	$618,843.91
Jan, 2027	41	$2,836.37	$854.26	$3,690.63	$617,989.65
Feb, 2027	42	$2,832.45	$858.18	$3,690.63	$617,131.48
Mar, 2027	43	$2,828.52	$862.11	$3,690.63	$616,269.37
Apr, 2027	44	$2,824.57	$866.06	$3,690.63	$615,403.31
May, 2027	45	$2,820.60	$870.03	$3,690.63	$614,533.28
Jun, 2027	46	$2,816.61	$874.02	$3,690.63	$613,659.26
Jul, 2027	47	$2,812.60	$878.02	$3,690.63	$612,781.24
Aug, 2027	48	$2,808.58	$882.05	$3,690.63	$611,899.19
Sep, 2027	49	$2,804.54	$886.09	$3,690.63	$611,013.10
Oct, 2027	50	$2,800.48	$890.15	$3,690.63	$610,122.95
Nov, 2027	51	$2,796.40	$894.23	$3,690.63	$609,228.72
Dec, 2027	52	$2,792.30	$898.33	$3,690.63	$608,330.39
Jan, 2028	53	$2,788.18	$902.45	$3,690.63	$607,427.94
Feb, 2028	54	$2,784.04	$906.58	$3,690.63	$606,521.35
Mar, 2028	55	$2,779.89	$910.74	$3,690.63	$605,610.61
Apr, 2028	56	$2,775.72	$914.91	$3,690.63	$604,695.70
May, 2028	57	$2,771.52	$919.11	$3,690.63	$603,776.60
Jun, 2028	58	$2,767.31	$923.32	$3,690.63	$602,853.28
Jul, 2028	59	$2,763.08	$927.55	$3,690.63	$601,925.72
Aug, 2028	60	$2,758.83	$931.80	$3,690.63	$600,993.92
Sep, 2028	61	$2,754.56	$936.07	$3,690.63	$600,057.85
Oct, 2028	62	$2,750.27	$940.36	$3,690.63	$599,117.49
Nov, 2028	63	$2,745.96	$944.67	$3,690.63	$598,172.81
Dec, 2028	64	$2,741.63	$949.00	$3,690.63	$597,223.81
Jan, 2029	65	$2,737.28	$953.35	$3,690.63	$596,270.46
Feb, 2029	66	$2,732.91	$957.72	$3,690.63	$595,312.73
Mar, 2029	67	$2,728.52	$962.11	$3,690.63	$594,350.62
Apr, 2029	68	$2,724.11	$966.52	$3,690.63	$593,384.10
May, 2029	69	$2,719.68	$970.95	$3,690.63	$592,413.15
Jun, 2029	70	$2,715.23	$975.40	$3,690.63	$591,437.75
Jul, 2029	71	$2,710.76	$979.87	$3,690.63	$590,457.88
Aug, 2029	72	$2,706.27	$984.36	$3,690.63	$589,473.51
Sep, 2029	73	$2,701.75	$988.87	$3,690.63	$588,484.64
Oct, 2029	74	$2,697.22	$993.41	$3,690.63	$587,491.23
Nov, 2029	75	$2,692.67	$997.96	$3,690.63	$586,493.27
Dec, 2029	76	$2,688.09	$1,002.53	$3,690.63	$585,490.74
Jan, 2030	77	$2,683.50	$1,007.13	$3,690.63	$584,483.61
Feb, 2030	78	$2,678.88	$1,011.75	$3,690.63	$583,471.86
Mar, 2030	79	$2,674.25	$1,016.38	$3,690.63	$582,455.48
Apr, 2030	80	$2,669.59	$1,021.04	$3,690.63	$581,434.44
May, 2030	81	$2,664.91	$1,025.72	$3,690.63	$580,408.72
Jun, 2030	82	$2,660.21	$1,030.42	$3,690.63	$579,378.30
Jul, 2030	83	$2,655.48	$1,035.14	$3,690.63	$578,343.15
Aug, 2030	84	$2,650.74	$1,039.89	$3,690.63	$577,303.26
Sep, 2030	85	$2,645.97	$1,044.66	$3,690.63	$576,258.61
Oct, 2030	86	$2,641.19	$1,049.44	$3,690.63	$575,209.16
Nov, 2030	87	$2,636.38	$1,054.25	$3,690.63	$574,154.91
Dec, 2030	88	$2,631.54	$1,059.09	$3,690.63	$573,095.83
Jan, 2031	89	$2,626.69	$1,063.94	$3,690.63	$572,031.89
Feb, 2031	90	$2,621.81	$1,068.82	$3,690.63	$570,963.07
Mar, 2031	91	$2,616.91	$1,073.71	$3,690.63	$569,889.36
Apr, 2031	92	$2,611.99	$1,078.64	$3,690.63	$568,810.72
May, 2031	93	$2,607.05	$1,083.58	$3,690.63	$567,727.14
Jun, 2031	94	$2,602.08	$1,088.55	$3,690.63	$566,638.60
Jul, 2031	95	$2,597.09	$1,093.53	$3,690.63	$565,545.06
Aug, 2031	96	$2,592.08	$1,098.55	$3,690.63	$564,446.51
Sep, 2031	97	$2,587.05	$1,103.58	$3,690.63	$563,342.93
Oct, 2031	98	$2,581.99	$1,108.64	$3,690.63	$562,234.29
Nov, 2031	99	$2,576.91	$1,113.72	$3,690.63	$561,120.57
Dec, 2031	100	$2,571.80	$1,118.83	$3,690.63	$560,001.74
Jan, 2032	101	$2,566.67	$1,123.95	$3,690.63	$558,877.79
Feb, 2032	102	$2,561.52	$1,129.11	$3,690.63	$557,748.68
Mar, 2032	103	$2,556.35	$1,134.28	$3,690.63	$556,614.40
Apr, 2032	104	$2,551.15	$1,139.48	$3,690.63	$555,474.93
May, 2032	105	$2,545.93	$1,144.70	$3,690.63	$554,330.22
Jun, 2032	106	$2,540.68	$1,149.95	$3,690.63	$553,180.28
Jul, 2032	107	$2,535.41	$1,155.22	$3,690.63	$552,025.06
Aug, 2032	108	$2,530.11	$1,160.51	$3,690.63	$550,864.54
Sep, 2032	109	$2,524.80	$1,165.83	$3,690.63	$549,698.71
Oct, 2032	110	$2,519.45	$1,171.18	$3,690.63	$548,527.53
Nov, 2032	111	$2,514.08	$1,176.54	$3,690.63	$547,350.99
Dec, 2032	112	$2,508.69	$1,181.94	$3,690.63	$546,169.05
Jan, 2033	113	$2,503.27	$1,187.35	$3,690.63	$544,981.70
Feb, 2033	114	$2,497.83	$1,192.80	$3,690.63	$543,788.90
Mar, 2033	115	$2,492.37	$1,198.26	$3,690.63	$542,590.64
Apr, 2033	116	$2,486.87	$1,203.75	$3,690.63	$541,386.89
May, 2033	117	$2,481.36	$1,209.27	$3,690.63	$540,177.61
Jun, 2033	118	$2,475.81	$1,214.81	$3,690.63	$538,962.80
Jul, 2033	119	$2,470.25	$1,220.38	$3,690.63	$537,742.42
Aug, 2033	120	$2,464.65	$1,225.98	$3,690.63	$536,516.44
Sep, 2033	121	$2,459.03	$1,231.59	$3,690.63	$535,284.85
Oct, 2033	122	$2,453.39	$1,237.24	$3,690.63	$534,047.61
Nov, 2033	123	$2,447.72	$1,242.91	$3,690.63	$532,804.70
Dec, 2033	124	$2,442.02	$1,248.61	$3,690.63	$531,556.09
Jan, 2034	125	$2,436.30	$1,254.33	$3,690.63	$530,301.76
Feb, 2034	126	$2,430.55	$1,260.08	$3,690.63	$529,041.68
Mar, 2034	127	$2,424.77	$1,265.85	$3,690.63	$527,775.83
Apr, 2034	128	$2,418.97	$1,271.66	$3,690.63	$526,504.17
May, 2034	129	$2,413.14	$1,277.48	$3,690.63	$525,226.69
Jun, 2034	130	$2,407.29	$1,283.34	$3,690.63	$523,943.35
Jul, 2034	131	$2,401.41	$1,289.22	$3,690.63	$522,654.13
Aug, 2034	132	$2,395.50	$1,295.13	$3,690.63	$521,359.00
Sep, 2034	133	$2,389.56	$1,301.07	$3,690.63	$520,057.93
Oct, 2034	134	$2,383.60	$1,307.03	$3,690.63	$518,750.90
Nov, 2034	135	$2,377.61	$1,313.02	$3,690.63	$517,437.88
Dec, 2034	136	$2,371.59	$1,319.04	$3,690.63	$516,118.84
Jan, 2035	137	$2,365.54	$1,325.08	$3,690.63	$514,793.76
Feb, 2035	138	$2,359.47	$1,331.16	$3,690.63	$513,462.60
Mar, 2035	139	$2,353.37	$1,337.26	$3,690.63	$512,125.34
Apr, 2035	140	$2,347.24	$1,343.39	$3,690.63	$510,781.95
May, 2035	141	$2,341.08	$1,349.54	$3,690.63	$509,432.41
Jun, 2035	142	$2,334.90	$1,355.73	$3,690.63	$508,076.68
Jul, 2035	143	$2,328.68	$1,361.94	$3,690.63	$506,714.74
Aug, 2035	144	$2,322.44	$1,368.19	$3,690.63	$505,346.55
Sep, 2035	145	$2,316.17	$1,374.46	$3,690.63	$503,972.09
Oct, 2035	146	$2,309.87	$1,380.76	$3,690.63	$502,591.34
Nov, 2035	147	$2,303.54	$1,387.08	$3,690.63	$501,204.25
Dec, 2035	148	$2,297.19	$1,393.44	$3,690.63	$499,810.81
Jan, 2036	149	$2,290.80	$1,399.83	$3,690.63	$498,410.98
Feb, 2036	150	$2,284.38	$1,406.24	$3,690.63	$497,004.74
Mar, 2036	151	$2,277.94	$1,412.69	$3,690.63	$495,592.05
Apr, 2036	152	$2,271.46	$1,419.16	$3,690.63	$494,172.88
May, 2036	153	$2,264.96	$1,425.67	$3,690.63	$492,747.21
Jun, 2036	154	$2,258.42	$1,432.20	$3,690.63	$491,315.01
Jul, 2036	155	$2,251.86	$1,438.77	$3,690.63	$489,876.24
Aug, 2036	156	$2,245.27	$1,445.36	$3,690.63	$488,430.88
Sep, 2036	157	$2,238.64	$1,451.99	$3,690.63	$486,978.89
Oct, 2036	158	$2,231.99	$1,458.64	$3,690.63	$485,520.25
Nov, 2036	159	$2,225.30	$1,465.33	$3,690.63	$484,054.92
Dec, 2036	160	$2,218.59	$1,472.04	$3,690.63	$482,582.88
Jan, 2037	161	$2,211.84	$1,478.79	$3,690.63	$481,104.09
Feb, 2037	162	$2,205.06	$1,485.57	$3,690.63	$479,618.52
Mar, 2037	163	$2,198.25	$1,492.38	$3,690.63	$478,126.14
Apr, 2037	164	$2,191.41	$1,499.22	$3,690.63	$476,626.93
May, 2037	165	$2,184.54	$1,506.09	$3,690.63	$475,120.84
Jun, 2037	166	$2,177.64	$1,512.99	$3,690.63	$473,607.85
Jul, 2037	167	$2,170.70	$1,519.93	$3,690.63	$472,087.92
Aug, 2037	168	$2,163.74	$1,526.89	$3,690.63	$470,561.03
Sep, 2037	169	$2,156.74	$1,533.89	$3,690.63	$469,027.14
Oct, 2037	170	$2,149.71	$1,540.92	$3,690.63	$467,486.22
Nov, 2037	171	$2,142.65	$1,547.98	$3,690.63	$465,938.23
Dec, 2037	172	$2,135.55	$1,555.08	$3,690.63	$464,383.15
Jan, 2038	173	$2,128.42	$1,562.21	$3,690.63	$462,820.95
Feb, 2038	174	$2,121.26	$1,569.37	$3,690.63	$461,251.58
Mar, 2038	175	$2,114.07	$1,576.56	$3,690.63	$459,675.02
Apr, 2038	176	$2,106.84	$1,583.78	$3,690.63	$458,091.24
May, 2038	177	$2,099.58	$1,591.04	$3,690.63	$456,500.20
Jun, 2038	178	$2,092.29	$1,598.34	$3,690.63	$454,901.86
Jul, 2038	179	$2,084.97	$1,605.66	$3,690.63	$453,296.20
Aug, 2038	180	$2,077.61	$1,613.02	$3,690.63	$451,683.18
Sep, 2038	181	$2,070.21	$1,620.41	$3,690.63	$450,062.76
Oct, 2038	182	$2,062.79	$1,627.84	$3,690.63	$448,434.92
Nov, 2038	183	$2,055.33	$1,635.30	$3,690.63	$446,799.62
Dec, 2038	184	$2,047.83	$1,642.80	$3,690.63	$445,156.82
Jan, 2039	185	$2,040.30	$1,650.33	$3,690.63	$443,506.50
Feb, 2039	186	$2,032.74	$1,657.89	$3,690.63	$441,848.61
Mar, 2039	187	$2,025.14	$1,665.49	$3,690.63	$440,183.12
Apr, 2039	188	$2,017.51	$1,673.12	$3,690.63	$438,510.00
May, 2039	189	$2,009.84	$1,680.79	$3,690.63	$436,829.20
Jun, 2039	190	$2,002.13	$1,688.49	$3,690.63	$435,140.71
Jul, 2039	191	$1,994.39	$1,696.23	$3,690.63	$433,444.48
Aug, 2039	192	$1,986.62	$1,704.01	$3,690.63	$431,740.47
Sep, 2039	193	$1,978.81	$1,711.82	$3,690.63	$430,028.65
Oct, 2039	194	$1,970.96	$1,719.66	$3,690.63	$428,308.99
Nov, 2039	195	$1,963.08	$1,727.55	$3,690.63	$426,581.44
Dec, 2039	196	$1,955.16	$1,735.46	$3,690.63	$424,845.98
Jan, 2040	197	$1,947.21	$1,743.42	$3,690.63	$423,102.56
Feb, 2040	198	$1,939.22	$1,751.41	$3,690.63	$421,351.15
Mar, 2040	199	$1,931.19	$1,759.44	$3,690.63	$419,591.72
Apr, 2040	200	$1,923.13	$1,767.50	$3,690.63	$417,824.22
May, 2040	201	$1,915.03	$1,775.60	$3,690.63	$416,048.61
Jun, 2040	202	$1,906.89	$1,783.74	$3,690.63	$414,264.88
Jul, 2040	203	$1,898.71	$1,791.91	$3,690.63	$412,472.96
Aug, 2040	204	$1,890.50	$1,800.13	$3,690.63	$410,672.83
Sep, 2040	205	$1,882.25	$1,808.38	$3,690.63	$408,864.46
Oct, 2040	206	$1,873.96	$1,816.67	$3,690.63	$407,047.79
Nov, 2040	207	$1,865.64	$1,824.99	$3,690.63	$405,222.80
Dec, 2040	208	$1,857.27	$1,833.36	$3,690.63	$403,389.44
Jan, 2041	209	$1,848.87	$1,841.76	$3,690.63	$401,547.68
Feb, 2041	210	$1,840.43	$1,850.20	$3,690.63	$399,697.48
Mar, 2041	211	$1,831.95	$1,858.68	$3,690.63	$397,838.80
Apr, 2041	212	$1,823.43	$1,867.20	$3,690.63	$395,971.59
May, 2041	213	$1,814.87	$1,875.76	$3,690.63	$394,095.84
Jun, 2041	214	$1,806.27	$1,884.36	$3,690.63	$392,211.48
Jul, 2041	215	$1,797.64	$1,892.99	$3,690.63	$390,318.49
Aug, 2041	216	$1,788.96	$1,901.67	$3,690.63	$388,416.82
Sep, 2041	217	$1,780.24	$1,910.38	$3,690.63	$386,506.43
Oct, 2041	218	$1,771.49	$1,919.14	$3,690.63	$384,587.29
Nov, 2041	219	$1,762.69	$1,927.94	$3,690.63	$382,659.36
Dec, 2041	220	$1,753.86	$1,936.77	$3,690.63	$380,722.58
Jan, 2042	221	$1,744.98	$1,945.65	$3,690.63	$378,776.93
Feb, 2042	222	$1,736.06	$1,954.57	$3,690.63	$376,822.37
Mar, 2042	223	$1,727.10	$1,963.53	$3,690.63	$374,858.84
Apr, 2042	224	$1,718.10	$1,972.53	$3,690.63	$372,886.31
May, 2042	225	$1,709.06	$1,981.57	$3,690.63	$370,904.75
Jun, 2042	226	$1,699.98	$1,990.65	$3,690.63	$368,914.10
Jul, 2042	227	$1,690.86	$1,999.77	$3,690.63	$366,914.33
Aug, 2042	228	$1,681.69	$2,008.94	$3,690.63	$364,905.39
Sep, 2042	229	$1,672.48	$2,018.15	$3,690.63	$362,887.24
Oct, 2042	230	$1,663.23	$2,027.40	$3,690.63	$360,859.85
Nov, 2042	231	$1,653.94	$2,036.69	$3,690.63	$358,823.16
Dec, 2042	232	$1,644.61	$2,046.02	$3,690.63	$356,777.14
Jan, 2043	233	$1,635.23	$2,055.40	$3,690.63	$354,721.74
Feb, 2043	234	$1,625.81	$2,064.82	$3,690.63	$352,656.92
Mar, 2043	235	$1,616.34	$2,074.28	$3,690.63	$350,582.63
Apr, 2043	236	$1,606.84	$2,083.79	$3,690.63	$348,498.84
May, 2043	237	$1,597.29	$2,093.34	$3,690.63	$346,405.50
Jun, 2043	238	$1,587.69	$2,102.94	$3,690.63	$344,302.56
Jul, 2043	239	$1,578.05	$2,112.58	$3,690.63	$342,189.99
Aug, 2043	240	$1,568.37	$2,122.26	$3,690.63	$340,067.73
Sep, 2043	241	$1,558.64	$2,131.98	$3,690.63	$337,935.75
Oct, 2043	242	$1,548.87	$2,141.76	$3,690.63	$335,793.99
Nov, 2043	243	$1,539.06	$2,151.57	$3,690.63	$333,642.42
Dec, 2043	244	$1,529.19	$2,161.43	$3,690.63	$331,480.98
Jan, 2044	245	$1,519.29	$2,171.34	$3,690.63	$329,309.64
Feb, 2044	246	$1,509.34	$2,181.29	$3,690.63	$327,128.35
Mar, 2044	247	$1,499.34	$2,191.29	$3,690.63	$324,937.06
Apr, 2044	248	$1,489.29	$2,201.33	$3,690.63	$322,735.73
May, 2044	249	$1,479.21	$2,211.42	$3,690.63	$320,524.30
Jun, 2044	250	$1,469.07	$2,221.56	$3,690.63	$318,302.74
Jul, 2044	251	$1,458.89	$2,231.74	$3,690.63	$316,071.00
Aug, 2044	252	$1,448.66	$2,241.97	$3,690.63	$313,829.03
Sep, 2044	253	$1,438.38	$2,252.25	$3,690.63	$311,576.79
Oct, 2044	254	$1,428.06	$2,262.57	$3,690.63	$309,314.22
Nov, 2044	255	$1,417.69	$2,272.94	$3,690.63	$307,041.28
Dec, 2044	256	$1,407.27	$2,283.36	$3,690.63	$304,757.93
Jan, 2045	257	$1,396.81	$2,293.82	$3,690.63	$302,464.10
Feb, 2045	258	$1,386.29	$2,304.33	$3,690.63	$300,159.77
Mar, 2045	259	$1,375.73	$2,314.90	$3,690.63	$297,844.87
Apr, 2045	260	$1,365.12	$2,325.51	$3,690.63	$295,519.37
May, 2045	261	$1,354.46	$2,336.16	$3,690.63	$293,183.20
Jun, 2045	262	$1,343.76	$2,346.87	$3,690.63	$290,836.33
Jul, 2045	263	$1,333.00	$2,357.63	$3,690.63	$288,478.70
Aug, 2045	264	$1,322.19	$2,368.43	$3,690.63	$286,110.27
Sep, 2045	265	$1,311.34	$2,379.29	$3,690.63	$283,730.98
Oct, 2045	266	$1,300.43	$2,390.19	$3,690.63	$281,340.78
Nov, 2045	267	$1,289.48	$2,401.15	$3,690.63	$278,939.63
Dec, 2045	268	$1,278.47	$2,412.16	$3,690.63	$276,527.48
Jan, 2046	269	$1,267.42	$2,423.21	$3,690.63	$274,104.27
Feb, 2046	270	$1,256.31	$2,434.32	$3,690.63	$271,669.95
Mar, 2046	271	$1,245.15	$2,445.47	$3,690.63	$269,224.47
Apr, 2046	272	$1,233.95	$2,456.68	$3,690.63	$266,767.79
May, 2046	273	$1,222.69	$2,467.94	$3,690.63	$264,299.85
Jun, 2046	274	$1,211.37	$2,479.25	$3,690.63	$261,820.59
Jul, 2046	275	$1,200.01	$2,490.62	$3,690.63	$259,329.98
Aug, 2046	276	$1,188.60	$2,502.03	$3,690.63	$256,827.94
Sep, 2046	277	$1,177.13	$2,513.50	$3,690.63	$254,314.44
Oct, 2046	278	$1,165.61	$2,525.02	$3,690.63	$251,789.42
Nov, 2046	279	$1,154.03	$2,536.59	$3,690.63	$249,252.83
Dec, 2046	280	$1,142.41	$2,548.22	$3,690.63	$246,704.61
Jan, 2047	281	$1,130.73	$2,559.90	$3,690.63	$244,144.71
Feb, 2047	282	$1,119.00	$2,571.63	$3,690.63	$241,573.08
Mar, 2047	283	$1,107.21	$2,583.42	$3,690.63	$238,989.66
Apr, 2047	284	$1,095.37	$2,595.26	$3,690.63	$236,394.40
May, 2047	285	$1,083.47	$2,607.15	$3,690.63	$233,787.25
Jun, 2047	286	$1,071.52	$2,619.10	$3,690.63	$231,168.14
Jul, 2047	287	$1,059.52	$2,631.11	$3,690.63	$228,537.04
Aug, 2047	288	$1,047.46	$2,643.17	$3,690.63	$225,893.87
Sep, 2047	289	$1,035.35	$2,655.28	$3,690.63	$223,238.59
Oct, 2047	290	$1,023.18	$2,667.45	$3,690.63	$220,571.13
Nov, 2047	291	$1,010.95	$2,679.68	$3,690.63	$217,891.46
Dec, 2047	292	$998.67	$2,691.96	$3,690.63	$215,199.50
Jan, 2048	293	$986.33	$2,704.30	$3,690.63	$212,495.20
Feb, 2048	294	$973.94	$2,716.69	$3,690.63	$209,778.51
Mar, 2048	295	$961.48	$2,729.14	$3,690.63	$207,049.36
Apr, 2048	296	$948.98	$2,741.65	$3,690.63	$204,307.71
May, 2048	297	$936.41	$2,754.22	$3,690.63	$201,553.49
Jun, 2048	298	$923.79	$2,766.84	$3,690.63	$198,786.65
Jul, 2048	299	$911.11	$2,779.52	$3,690.63	$196,007.13
Aug, 2048	300	$898.37	$2,792.26	$3,690.63	$193,214.87
Sep, 2048	301	$885.57	$2,805.06	$3,690.63	$190,409.81
Oct, 2048	302	$872.71	$2,817.92	$3,690.63	$187,591.89
Nov, 2048	303	$859.80	$2,830.83	$3,690.63	$184,761.06
Dec, 2048	304	$846.82	$2,843.81	$3,690.63	$181,917.25
Jan, 2049	305	$833.79	$2,856.84	$3,690.63	$179,060.41
Feb, 2049	306	$820.69	$2,869.93	$3,690.63	$176,190.47
Mar, 2049	307	$807.54	$2,883.09	$3,690.63	$173,307.39
Apr, 2049	308	$794.33	$2,896.30	$3,690.63	$170,411.08
May, 2049	309	$781.05	$2,909.58	$3,690.63	$167,501.50
Jun, 2049	310	$767.72	$2,922.91	$3,690.63	$164,578.59
Jul, 2049	311	$754.32	$2,936.31	$3,690.63	$161,642.28
Aug, 2049	312	$740.86	$2,949.77	$3,690.63	$158,692.51
Sep, 2049	313	$727.34	$2,963.29	$3,690.63	$155,729.23
Oct, 2049	314	$713.76	$2,976.87	$3,690.63	$152,752.36
Nov, 2049	315	$700.11	$2,990.51	$3,690.63	$149,761.84
Dec, 2049	316	$686.41	$3,004.22	$3,690.63	$146,757.62
Jan, 2050	317	$672.64	$3,017.99	$3,690.63	$143,739.63
Feb, 2050	318	$658.81	$3,031.82	$3,690.63	$140,707.81
Mar, 2050	319	$644.91	$3,045.72	$3,690.63	$137,662.09
Apr, 2050	320	$630.95	$3,059.68	$3,690.63	$134,602.42
May, 2050	321	$616.93	$3,073.70	$3,690.63	$131,528.72
Jun, 2050	322	$602.84	$3,087.79	$3,690.63	$128,440.93
Jul, 2050	323	$588.69	$3,101.94	$3,690.63	$125,338.99
Aug, 2050	324	$574.47	$3,116.16	$3,690.63	$122,222.83
Sep, 2050	325	$560.19	$3,130.44	$3,690.63	$119,092.39
Oct, 2050	326	$545.84	$3,144.79	$3,690.63	$115,947.60
Nov, 2050	327	$531.43	$3,159.20	$3,690.63	$112,788.40
Dec, 2050	328	$516.95	$3,173.68	$3,690.63	$109,614.72
Jan, 2051	329	$502.40	$3,188.23	$3,690.63	$106,426.49
Feb, 2051	330	$487.79	$3,202.84	$3,690.63	$103,223.65
Mar, 2051	331	$473.11	$3,217.52	$3,690.63	$100,006.13
Apr, 2051	332	$458.36	$3,232.27	$3,690.63	$96,773.86
May, 2051	333	$443.55	$3,247.08	$3,690.63	$93,526.78
Jun, 2051	334	$428.66	$3,261.96	$3,690.63	$90,264.81
Jul, 2051	335	$413.71	$3,276.91	$3,690.63	$86,987.90
Aug, 2051	336	$398.69	$3,291.93	$3,690.63	$83,695.97
Sep, 2051	337	$383.61	$3,307.02	$3,690.63	$80,388.94
Oct, 2051	338	$368.45	$3,322.18	$3,690.63	$77,066.76
Nov, 2051	339	$353.22	$3,337.41	$3,690.63	$73,729.36
Dec, 2051	340	$337.93	$3,352.70	$3,690.63	$70,376.66
Jan, 2052	341	$322.56	$3,368.07	$3,690.63	$67,008.59
Feb, 2052	342	$307.12	$3,383.51	$3,690.63	$63,625.08
Mar, 2052	343	$291.61	$3,399.01	$3,690.63	$60,226.07
Apr, 2052	344	$276.04	$3,414.59	$3,690.63	$56,811.48
May, 2052	345	$260.39	$3,430.24	$3,690.63	$53,381.23
Jun, 2052	346	$244.66	$3,445.96	$3,690.63	$49,935.27
Jul, 2052	347	$228.87	$3,461.76	$3,690.63	$46,473.51
Aug, 2052	348	$213.00	$3,477.62	$3,690.63	$42,995.88
Sep, 2052	349	$197.06	$3,493.56	$3,690.63	$39,502.32
Oct, 2052	350	$181.05	$3,509.58	$3,690.63	$35,992.74
Nov, 2052	351	$164.97	$3,525.66	$3,690.63	$32,467.08
Dec, 2052	352	$148.81	$3,541.82	$3,690.63	$28,925.26
Jan, 2053	353	$132.57	$3,558.05	$3,690.63	$25,367.21
Feb, 2053	354	$116.27	$3,574.36	$3,690.63	$21,792.85
Mar, 2053	355	$99.88	$3,590.74	$3,690.63	$18,202.10
Apr, 2053	356	$83.43	$3,607.20	$3,690.63	$14,594.90
May, 2053	357	$66.89	$3,623.74	$3,690.63	$10,971.16
Jun, 2053	358	$50.28	$3,640.34	$3,690.63	$7,330.82
Jul, 2053	359	$33.60	$3,657.03	$3,690.63	$3,673.79
Aug, 2053	360	$16.84	$3,673.79	$3,690.63	$0.00
Should I Buy Mortgage Points?
	Without Points	With Points
Monthly Payment	$4,002.16	$3,690.63
Total Interest	$790,778.25	$678,626.26
Total Principal	$650,000.00	$650,000.00
Total Payment	$1,440,778.25	$1,328,626.26
Points Costs	$0	$13,000.00
Total Interest Savings	$0	$112,151.99
Total Savings	$0	$99,151.99
Payoff Date	Aug, 2053	Aug, 2053