Mortgage Comparison

You can use this calculator to produce a net loan cost amount and use that amount to compare different types of mortgages.

To open this calculator, click Calculators in the toolbar, and then click Mortgage > Mortgage Comparison in the left panel.

You can export the data as a PDF file or clear all data that you entered. For more information, see Financial calculators.


  • The calculator makes the comparisons by recalculating the costs in present value terms and totaling in the Net loan cost field.
  • The Discount Rate field adjusts all future payments and future tax savings into today's dollars.

Special Information

For loans of different amounts and rates, the Cost to Net Mortgage Ratio field provides a helpful number to determine which loan is a better value. This ratio can help the client decide whether to pay points. When points are financed, the proceeds from the loan are less; therefore, the cost of the loan should be less.


  • Because this calculator assumes that points are financed, the points are included in the Loan Amount field.
  • If the individual does not plan to sell the property, leave the Month until Property Sold field blank.

Internal notes


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