The best replacement for prepayment is refinance.

The best alternatives to prepayment are rated as following:
★★★★★  refinance
★★★  down payment
★★★  refinancing
★★★  prepayment
★★★  accrual
★★★  pre-payment
★★  advance
★★  investment
★★  curtailment
★  advance payment
★  repayment
★  deposit
★  soft prepayment
★  increase emi
★  refinance calculator
  refinancing calculator
  hard prepayment

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Speaking about prepayment, one probably shouldn't forget about piti.

Other search terms related to prepayment and their ratings are:
★★★★★ piti
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Google Trends

Scale is based on the average worldwide traffic of prepayment in all years. Click on graph for more.
prepayment
refinance
down payment