Financing scenarios

Rate Buydown Estimator

See how a temporary rate buydown could lower the payments on #221 in the first years — commonly funded by a seller credit at closing.

$
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$137,600 down · $550,400 loan
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30-yr fixed · illustrative
1-0 Buydown
Year 1 is 1% below your rate, then it settles at the full rate. The lightest lift in an offer.
2-1 Buydown
Year 1 is 2% below and Year 2 is 1% below, then the full rate. The most common seller-paid version.
Estimated buydown cost
$12,830
The one-time credit that funds the lower payments — typically requested as a seller closing-cost credit.
Your monthly principal & interest

Estimates for general education only — not a loan offer, quote, or commitment to lend, and not a guarantee of any rate or terms. Jade Larney is a licensed real estate agent, not a mortgage lender or loan officer. Payments shown are principal & interest only and exclude taxes, insurance, HOA, and any mortgage insurance. Buydown availability, structure, and cost vary by lender and loan program and change daily. Confirm all figures with a licensed mortgage professional. Equal Housing Opportunity.

Jade Larney · Anvil Real Estate · CA DRE# 02241676