Temporary Rate Buydown Calculator
See exactly what a 2-1, 3-2-1, or other temporary buydown costs to fund — and how much it saves the buyer on their monthly payment. Useful for structuring seller or builder concessions into a rate buydown instead of a price reduction.
Loan Details
Buydown Structure
Total Cost to Fund This Buydown
$0
Deposited into a buydown escrow account at closing
$0
Note Rate Payment (P&I)
$0
Year 1 Payment (P&I)
$0/mo
Year 1 Savings
Year-by-Year Breakdown
| Year | Effective Rate | Monthly P&I | Monthly Savings | Annual Savings |
|---|
Compare All Buydown Options
Same loan amount, note rate, and term — just the structure changes. Pick the row that fits the concession you're negotiating.
| Structure | Year 1 Rate | Year 1 Monthly Savings | Total Buydown Cost | Cost as % of Loan |
|---|
Estimates are for illustration only and reflect principal & interest (P&I) only — taxes, insurance, HOA dues, and mortgage insurance are not included. Buydown costs and available structures vary by loan program, investor, and lender guidelines, and are subject to underwriting approval. This is not a commitment to lend. Talk to your loan officer for exact numbers and program eligibility.