Tools

Rate buydown calculator

A buydown lowers your rate in exchange for an upfront cost, paid by you or sometimes by the seller. Compare the cost with the monthly savings.

The full calculator, with sliders and a payment breakdown, is on the mortgage calculator.

Results are estimates for planning only. Your actual payment depends on your rate, taxes, insurance, and loan terms. Talk with us for a personalized quote.

Temporary vs. permanent. A temporary buydown lowers the payment for the first year or two. A permanent buydown (paying points) lowers the rate for the life of the loan.

Ready to talk it through?

Tell us a little about your goals and we'll walk you through your options. No cost, no obligation.