RE
Seller Credit vs Discount Points — Calculator
Compare upfront cash and monthly savings. Updated live as you change inputs.
Inputs
Example: 350,000
Default: 20%
Each point = 1% of loan principal
Typical value: 0.25%
Compare both scenarios side-by-side (default). Select view:
Results update live. Use tab to navigate inputs.
Comparison
Left: Seller Credit scenario (no points). Right: Buyer pays points scenario.
Recommendation
Adjust inputs to see suggestion.
Seller Credit (No Points) ?Seller credit: money seller applies toward buyer's closing costs or repairs. Reduces cash due at closing.
Loan amount
$0.00
Interest rate
0.00%
Monthly payment (P+I)
$0.00
Upfront cash at closing
$0.00
Seller credit leftover / cash back
$0.00
Cumulative paid & interest
1y: $0 / $0 interest
3y: $0 / $0 interest
5y: $0 / $0 interest
10y: $0 / $0 interest
Buyer Pays Points ?Discount point: one point = 1% of loan. Buyer pays at closing to reduce interest rate.
Loan amount
$0.00
Points cost
$0.00
Interest rate (with points)
0.00%
Monthly payment (P+I)
$0.00
Upfront cash at closing
$0.00
Cumulative paid & interest
1y: $0 / $0 interest
3y: $0 / $0 interest
5y: $0 / $0 interest
10y: $0 / $0 interest
Differences
Monthly savings (Credit − Points)
$0.00
Upfront cash difference (Credit − Points)
$0.00
Break-even
Break-even months
N/A
Equivalent
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