Mortgage Buydown Strategy Comparison
Seller Buy Down vs Price Reduction
Scenario Inputs
$
%
%
3-2-1 Buydown
Total Buydown Cost
| Timeline | Effective Rate | Monthly P&I | Monthly Savings | Annual Savings |
|---|
Total Buydown Cost
$21,295
Equivalent Reduced Purchase Price
$478,705
Equivalent Reduced Loan Amount
$461,950
Payment With Price Reduction
$2,847
2-1 Buydown
Total Buydown Cost
| Timeline | Effective Rate | Monthly P&I | Monthly Savings | Annual Savings |
|---|
Total Buydown Cost
$10,844
Equivalent Reduced Purchase Price
$489,156
Equivalent Reduced Loan Amount
$472,035
Payment With Price Reduction
$2,906
1-0 Buydown
Total Buydown Cost
| Timeline | Effective Rate | Monthly P&I | Monthly Savings | Annual Savings |
|---|
Total Buydown Cost
$5,420
Equivalent Reduced Purchase Price
$494,580
Equivalent Reduced Loan Amount
$477,270
Payment With Price Reduction
$2,939
This is not a commitment to lend. Rates, payments, and terms are not guaranteed and are subject to change without notice.
Example scenarios shown are estimates for educational purposes only and may not reflect actual loan approval, final pricing,
taxes, insurance, mortgage insurance, escrows, or other applicable costs. Actual loan terms may vary based on credit profile,
occupancy, loan type, property type, market conditions, and lender guidelines.