Free Calculator
Temporary Buydown
See your reduced payment for each year of a 1-0, 2-1, or 3-2-1 buydown — plus the total subsidy the seller or builder needs to fund.
📉 1-0 Buydown📉 2-1 Buydown📉 3-2-1 Buydown
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📉 Buydown Type
1-0
1 yr below rate
2-1
Most popular
3-2-1
Max buydown
Borrower qualifies at the full note rate in all cases.
🏠 Loan Details
$
%
Borrower qualifies at this rate regardless of buydown.
📉 Year 1 Payment
Reduced from full payment of —
—
Year 1 savings
Full Note Rate Payment
—
Year 1 Savings/mo
—
Total Subsidy Cost
—
Funded By
—
The buydown subsidy must be funded upfront at closing.
It's deposited into escrow and released monthly to cover the difference between the buyer's reduced payment and the full P&I. The borrower always qualifies at the full note rate.
📅 Year-by-Year Payment Schedule
| Year | Rate | Monthly P&I | Savings/mo | Annual Subsidy |
|---|
Negotiate a buydown?
A Quazel loan officer can structure the buydown into your offer and show the seller exactly what they need to fund.
Estimates only. Buydown eligibility varies by loan type — not available on all programs. Borrower must qualify at the full note rate. Does not include taxes, insurance, or PMI.
Quazel Mortgage · NMLS #2133626 · Privacy Policy
Quazel Mortgage · NMLS #2133626 · Privacy Policy