Temporary buydown calculator

See how a 3-2-1 buydown changes the payment.

Enter the note rate and loan details to compare the estimated first three years with the full note-rate payment and estimate the required buydown fund.

Planning estimate: This calculator illustrates a temporary buydown; it does not quote or lock an interest rate and is not a Loan Estimate, approval, offer or commitment to lend. The note rate is the actual rate used to amortize the loan. The reduced payment is generally supported by funds placed in a buydown account. Allowed structures, funding sources, contribution limits, qualification treatment, taxes, insurance, mortgage insurance and program eligibility vary by transaction, loan program and lender guidelines.

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Personalized scenario

Want me to verify the buydown?

I can compare the temporary payment structure with actual programs and current pricing for your situation. No credit pull is required to start.

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