Free Calculator
Temporary Buydown
See your reduced payment for each year of a 1-0, 2-1, or 3-2-1 buydown โ plus the total subsidy the seller or builder needs to fund.
๐ 1-0 Buydown๐ 2-1 Buydown๐ 3-2-1 Buydown
โ All Calculators
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Book a Free Call โ
๐ 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.
๐ Loan Details
$
%
Borrower qualifies at this rate regardless of buydown.
๐ Year 1 Payment
Reduced from full payment of โ
โ
Year 1 savings
Full Note Rate Payment
โ
Year 1 Savings/mo
โ
Total Subsidy Cost
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Funded By
โ
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.
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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 โ not available on all programs. Borrower must qualify at the full note rate. Does not include taxes, insurance, or PMI.
Quazel Mortgage ยท NMLS #2133626 ยท Privacy Policy
Quazel Mortgage ยท NMLS #2133626 ยท Privacy Policy