2-1 buydowns and discount points, demystified — run live math on seller-paid rate relief and see your year-one payment savings.
Rate Buydowns
2-1 buydowns and discount points, demystified — run live math on seller-paid rate relief and see your year-one payment savings.
How much home can you afford?
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Lower the payment while life catches up .
A 2-1 buydown, shown in real years.
Where a temporary buydown works
Read the step-up with us
Temporary buydown vs permanent points.
Set one up, step by step.
Buydown FAQ.
Turn the seller credit into a real plan.
Plan with a 36% debt-to-income guideline and your real numbers. Illustrative only — not a pre-approval. Pair this with a buydown plan to see what year-one cash flow can look like.
Max home price
Monthly picture
Down payment about · Loan about . A temporary buydown can lower early P&I without changing how most lenders qualify you.
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Loan programs
A seller or builder credit can pre-fund a lower payment for the first one, two, or three years. We show the temporary payment, the permanent note rate, and the break-even against using that same credit for closing costs.
The seller offered a credit. Can it lower my rate?
Yes. We can test a permanent discount-point buy or a temporary 3-2-1 or 2-1 buydown.
You’ll see every year’s payment and what happens when it steps up—before you sign.
Delivered
The lender holds the subsidy in a custodial account and applies it monthly. Your note rate does not change; only the amount due from you changes during the subsidy period.
See the exact payment for every buydown year, the permanent payment after it ends, and the same credit applied three other ways.
Digital-first mortgage guidance for people who’d rather text than call. Clarity, speed, and zero pressure.
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Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval, income verification and property appraisal. Rates shown are illustrative, not an offer, and change without notice.
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