Buydown Calculator

Every loan, every buydown, side by side.

See what a home really costs each month with a Conventional, FHA, VA or USDA loan, what each rate buydown saves you, and how much of it a seller is allowed to pay.

Your numbers

Home price

Down payment (%) Each loan uses at least its own minimum.

Note rate (%) FHA and VA rates are often a little lower. Use your lender's quote if you have one.

Credit score

Changes the estimated PMI on a conventional loan.

First-time buyer (3% down conventional)

VA loan

Taxes per year

Insurance per year

HOA per month

Seller credit ($)

Rate drop per point (%) For permanent points. 0.25% per point is a common rule of thumb; lenders vary.

Loan types

Four loans, one home

Rate buydowns

Every buydown, side by side

Negotiating

A seller credit or a lower price?

Estimates for a primary residence with a 30-year fixed loan, not a loan offer. A temporary buydown is paid up front, usually by the seller, builder or lender, and you qualify at the full note rate. If you sell or refinance early, unused buydown money is usually applied to your loan; ask your lender how theirs works. Conventional PMI is an estimate that varies by insurer and credit; FHA, VA and USDA fees are the standard published amounts. VA loans are for eligible veterans and service members; USDA loans are for eligible rural areas and income limits, and much of Maine qualifies. Closing costs are not included.

Want help writing a buydown into your offer?

We'll work out what to ask the seller for, and connect you with a lender who can quote the real numbers.

Talk with our team