Rate Buydown Calculator

Estimate your payment...

A rate buydown is a mortgage loan option in which the seller or builder temporarily reduces the homebuyer’s interest rates. The seller or builder pays a lump sum up-front, ensuring a temporarily lower interest rate during the buydown period.

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Monthly Payment at Full Rate
Loan Amount
Number of Payments
Total Interest
2/1 Buy DownInterest RateNew PaymentMonthly SavingsAnnual Savings
Year 1
Year 2
Total
1/0 Buy DownInterest RateNew PaymentMonthly SavingsAnnual Savings
Year 1

For informational purposes only and may not be accurate for your individual situation. Payment shown includes principal and interest only. Your payment may include taxes, insurance and/or association fees. This is not a commitment to lend and is not a pre-approval. Consult an Ideal Lending Solutions Lending Specialist for full details.

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