Temporary Buydown Calculator

See what a 3-2-1, 2-1, 1-1, or 1-0 buydown saves each year — and what it costs.

Loan Information

$
%
yrs
Monthly P&I Payment $0.00 / month
Quick examples ($800,000 loan):

Temporary Buydown Breakdown

Year Temp. Buydown Interest Rate P&I Payment with Temp. Buydown Buydown Cost Monthly Buydown Cost Annually P&I Payment w/o Temp. Buydown
Total Buydown Cost in Dollar Amount $0.00
Total Buydown Cost in bps 0.000

How it works: the buydown fund covers the difference between the payment at the note rate and the reduced payment each month during the buydown years. After the buydown period ends, the payment returns to the standard payment at the note rate for the remaining term.