Temporary Buydown Calculator — calculate cost and savings of temporary mortgage rate buydowns and how they affect payments in the initial years of your loan.
Inputs
Enter loan details, then choose the buydown type and buydown option.
Enter LLPA as a dollar amount. If not applicable, leave as $0.
What is a temporary buydown?
A temporary buydown lowers the interest rate for a set period, reducing payments during the first few years.
Savings shown are estimates based on the data you enter.
Results
Compare note rate payment vs buydown payment per year.
Estimated Monthly Installment
$0
Total Buydown Cost
$0
Year
Buydown Rate
Note Rate Payment
Buydown Payment
Monthly Savings
Number of Payments
Annual Savings
Please select a buydown type and option to see calculations.
Concession Required (Based on Purchase Price):
0.000%
Disclaimer: All calculations are estimates for informational use only and based on data entered by the user.
Results do not reflect guaranteed terms, rates, or outcomes. Additional costs (including PMI, program fees, and LLPA where applicable) may apply depending on loan structure.