SELLER CREDIT STRATEGY • TEMPORARY BUYDOWNS • OFFER PLANNING
Temporary Buydown Calculator
Estimate the seller-paid subsidy required for a temporary mortgage buydown. Use this as a quick reference when comparing a price reduction, closing-cost credit, temporary buydown, or permanent rate buydown.
Important Planning Disclosure
Educational estimates, not loan terms.
This calculator is for educational planning purposes only. Temporary buydowns must be structured according to loan-program, investor, seller-credit, and underwriting requirements. Results are not a rate quote, Loan Estimate, APR disclosure, approval, commitment to lend, or guarantee of terms.
Calculator
Temporary Buydown Calculator
Use this to estimate the seller-paid subsidy required for a temporary buydown. Then compare it against a price reduction, permanent rate buydown, or closing cost credit.
From Buydown Math to Offer Strategy
A seller credit can work differently depending on how it is structured.
A temporary buydown can improve early payment comfort, but it should be compared against permanent buydown, closing-cost credit, and price-reduction strategies before it is used in an offer.