Lower the payment, not just the price

First-year payment reduction · 2/1 buydown

$0 /mo lower

Year-one payment on the 2/1 program at a 5.0% starting rate, versus the full-rate payment. Adjust the inputs or pick a program below to update this number.

Year-1 rate

5.0%

starting rate

Buyer / Buyer's agent

See the monthly relief in seconds.

Set the purchase price and loan amount to compare the first-year payment reduction, the year-by-year payment, and the full-rate payment for each buydown option.

State

County sets the conforming loan limit

County conforming loan limit (one-unit)$832,750

This calculator models conforming loans, so the amount is capped at the purchase price and the county limit ($832,750). Loan amounts above that may still be available through CCM portfolio programs — ask about your options.

Purchase price tap to type

$100K$2.0M

Down payment tap to type

$0$739,000

% down

Loan amount tap to type

$50K$789,000

95% LTV

Purchase price = down payment + loan amount. Move any slider and the others adjust.

Next step — see your numbers

A temporary buydown, in plain terms.

See the payment path first. A temporary buydown is one of the most effective ways to make a home work today, and it costs less than it sounds.

A credit at closing

Your offer includes a request for a seller credit at closing, which covers the gap between the reduced payment and the full note-rate payment.

A lower payment early

You pay less during the buydown period, while still qualifying at the full note rate from the beginning.

A clearer conversation

A temporary buydown turns a rate objection into a clear, structured conversation that begins with the monthly payment.

Why ask for a buydown instead of a price cut?

A seller credit toward a buydown often lowers your monthly payment more than an equivalent price reduction would. That makes the home feel more affordable now, which is what most buyers are weighing in a higher-rate market.

Is this a permanent rate change?

No. A temporary buydown only reduces the payment for the buydown period of one, two, or three years. After that, the regular note rate applies for the remaining loan term. A permanent buydown, paying points, is a separate option worth discussing.

What if I refinance or sell early?

If the loan is paid off before the buydown period ends, any unused buydown funds are typically applied to your loan balance. The specifics depend on the program, so let's confirm them together.

Is a buydown available on every loan?

No. Availability and seller contribution limits vary by loan program, and some programs may not allow a credit large enough to fund every option shown. The financed amount is also limited to the conforming loan limit for the county.

Derek Bickel

For the buyer who found the right home,
but not the right payment.

See the monthly relief in seconds.

Ready to see whether this works for your loan?

Ready to start? It takes a few minutes.

A temporary buydown, in plain terms.

A credit at closing

A lower payment early

A clearer conversation

Important Disclosures

For the buyer who found the right home,but not the right payment.

See the monthly relief in seconds.

Ready to see whether this works for your loan?

Ready to start? It takes a few minutes.

A temporary buydown, in plain terms.

A credit at closing

A lower payment early

A clearer conversation

Important Disclosures

For the buyer who found the right home,
but not the right payment.