Loan Comparison Calculator

"Total cost, this window" is upfront costs (points converted to dollars, plus other fees) plus interest paid over the comparison period — it leaves out principal, since paying down principal builds equity rather than being a true cost. "Breakeven on points" compares each option against whichever option has the lowest upfront cost, and shows how many months of lower payments it takes to recoup the extra you paid upfront; a loan that isn't cheapest upfront but also isn't cheaper monthly shows no breakeven. Only two loans are needed to compare — leave Loan C's fields as-is or zero out its fields if you're only comparing two. Figures here are estimates for planning purposes, not financial or legal advice — confirm actual rate, points, and fees on your Loan Estimate before deciding.