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Temporary Buydown Calculator

Model common 1-0, 1-1, 2-1, and 3-2-1 structures by setting the annual rate reductions for the first three years.

Real-time illustration No registration Mobile responsive

Scenario inputs

Adjust your assumptions

Loan amount

Note interest rate

Loan term

years

Year 1 rate reduction

points

Year 2 rate reduction

points

Year 3 rate reduction

points

Results update as you type. Use realistic assumptions and compare more than one scenario.

How to use this estimate

Start with a realistic range. Use values that reflect your current plan rather than a best-case target.

Change one variable at a time. This makes it easier to understand which assumptions move the result.

Confirm the full scenario. Taxes, insurance, fees, credit, property, and program requirements can materially change actual terms.

Calculator results are educational estimates only and are not a loan estimate, approval, rate quote, or commitment to lend. Company NMLS 1660690. Call 480-546-8001 with questions.