Loan A
$2,919/mo.- Net upfront lender cost
- $1,500
- Cost over 5 years
- $149,062
- Balance after 5 years
- $422,441
- Lifetime interest
- $600,729
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Mortgage loan comparison
Mortgage loan comparison
Compare the cost—not only the rate.
Compare rate, points, lender fees, credits, payment, and the cost over the period you expect to keep the loan.
Loan B
$2,771/mo.- Net upfront lender cost
- $8,250
- Cost over 5 years
- $144,511
- Balance after 5 years
- $420,018
- Lifetime interest
- $547,462
The higher-upfront-cost option reaches estimated break-even in month 36. Borrowing cost is interest plus net lender charges; taxes, insurance, third-party settlement costs, and the time value of money are excluded.
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