2-1 Buydown Calculator
Your Payment Breakdown
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Seller Concession Needed
This is the total the seller contributes upfront to fund your lower payments in Years 1 and 2. It can often be negotiated into the purchase contract.
💡 Pro Tip: A 2-1 Buydown lets buyers afford more home today while planning to refinance — or simply enjoy the lower payment through Year 1 and 2. Sellers who fund the concession can keep their price while making the deal happen.
Get Your Personalized Buydown Quote
One of our licensed mortgage advisors will reach out with a full breakdown — no pressure, no obligation.
How the 2-1 Buydown Works
A simple tool with a powerful impact on what buyers can afford
Two Years of Relief
Your rate starts 2% below your note rate in Year 1, drops to 1% below in Year 2, then locks at your permanent rate from Year 3 onward. The savings are real — and front-loaded when it matters most.
Seller Pays the Difference
The seller funds the buydown upfront as a concession. Instead of dropping their price, they can fund your lower payments — often making deals work that otherwise wouldn't.
Your Exit Strategy Built In
Many buyers use the buydown to get into the home now, then refinance when rates drop. If they don't drop? You've still enjoyed two years of lower payments with no penalty.