See how a seller-paid buydown lowers your payment for the first years of the loan, what it costs, and how it compares to the same money taken off the price.
Clint Elliott · Branch Manager · NMLS #239388 · Licensed in OR & WA
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| Buydown | Year 1 Rate | Year 1 Payment | Savings / mo | Cost | % of Price |
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How this works: Buydown cost is the sum of the monthly payment differences during the buydown years, usually paid by the seller or builder and held in escrow. Note rates come from Freddie Mac's national weekly averages (latest week); 20- and 10-year rates are estimated from them. Seller-credit limits are the standard Fannie Mae/Freddie Mac, FHA, and VA program maximums; buydown funds count toward them. Taxes, insurance, and mortgage insurance are Portland–Vancouver estimates.
Disclaimer: Estimates for education only; not a loan offer or commitment to lend. Borrowers qualify at the full note rate. All loans are subject to credit approval, property eligibility, and market conditions. Rates and terms may change. Do Good Mortgage, NMLS #239388.