Rate Buydown Calculator

Analyze permanent and temporary (2-1, 3-2-1) rate buydowns — payment timelines, costs, and break-even crossover.

Loan Amount

Base Interest Rate

Loan Term

yrs

Buydown Points

pts

Cost per Point

Buydown Type

Seller Credit

Results

Permanent Payment —

Permanent Savings —

Temp Year 1 Payment —

Permanent Break-Even —

Monthly payments over first 5 years

Permanent buydown savings vs cost

Item	Amount	Rate/Notes