Tools for Agents and Partners
Temporary Buydown Calculator
See what a seller credit buys your client. Run a 1-0, 2-1, or 3-2-1 buydown and get the exact cost and the payment for each year, before you write the offer.
Run the Numbers
Pick a structure and enter the loan details. Results update as you type.
Buydown optionResults
2-1 temporary buydown
Year-by-Year Breakdown
Principal and interest only. The seller credit covers the difference each month.
| Year | Rate | Monthly P&I | Monthly Savings | Annual Cost |
|---|---|---|---|---|
| Total seller credit | ||||
How It Works
A concession that does more
The same seller credit that would trim a little off closing costs can drop your buyer’s payment by hundreds a month in the first years.
The rate does not change
The note rate stays the same for the life of the loan. The credit is held in an account and covers part of each payment during the buydown years.
No surprises
Your buyer sees every payment step up in advance, so the full payment is planned for, not a shock.
Contact Me With Any Questions
Send us your info and we will reach out. The scenario you ran above comes with it, so you don’t have to explain it twice.
Important: This calculator gives estimates for illustration only. It is not a Loan Estimate, an offer to lend, or a rate quote. Payments shown are principal and interest only and do not include taxes, insurance, mortgage insurance, or HOA dues. Figures assume a fixed-rate, fully amortizing loan with 12 subsidized payments per buydown year. The borrower qualifies at the full note rate and is responsible for the full payment if subsidy funds run out. Temporary buydowns are subject to lender, loan program, occupancy, and interested-party contribution limits. Not every option is available on every loan; the 3-2-1 structure in particular is offered by fewer lenders.