David Thomas
Loan Officer — NMLS #399104 · EMortgage Capital, Inc. NMLS# 1416824
Buydown Calculator
Compare a seller-paid temporary buydown against permanently buying down your rate with discount points.
Loan
Permanent buydown (points)
2-1 temporary buydown
$3,130/mo
- Year 1 @ 4.75%
- $3,130/mo
- Year 2 @ 5.75%
- $3,501/mo
- Year 3+ (note rate)
- $3,892/mo
- Total buydown subsidy required
- $13,822
Temporary buydown funds are typically paid by the seller or builder and held in an escrow account.
Permanent buydown
$3,792/mo
- Bought-down rate
- 6.50%
- Cost of points
- $6,000
- Monthly savings
- $99
- Break-even
- 61 months
Want the real numbers?
These estimates are a starting point. Send your scenario over and David will return a custom breakdown with live pricing, program options, and a written pre-approval path.