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Buydown Calculator

A mortgage rate buydown lets you pay upfront points to reduce your interest rate for the first few years or the entire loan term. Compare 2-1 and 3-2-1 buydown options against standard rate mortgages.

Tips to Keep in Mind

1Sellers sometimes offer buydowns as an incentive instead of a price reduction.
2Temporary buydowns (2-1 or 3-2-1) lower payments in the early years only.
3Permanent buydowns cost more upfront but save money over the life of the loan.

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