How does a 2-1 buydown actually work?
A temporary buydown uses a seller or builder credit to pre-pay part of your interest, lowering the payment for the first year or two while you settle in. This tool shows the payment for each year of a 2-1, 1-0, or 3-2-1 structure, the total credit required — and the honest comparison everyone skips: what those same dollars as a price cut would save you monthly, forever. Your lender can price all three; now you'll know what to ask. Want the full story first? Read the plain-English buydown guide →
Temporary buydown (2-1, 1-0, 3-2-1)
A seller or builder credit pre-pays part of your interest, lowering the payment for the first years. See each year's payment and what the subsidy really costs.
Temporary buydowns are usually funded by seller or builder credits, not your cash. Compare against a permanent rate buy-down and a price reduction before choosing — your lender can price all three.
Educational estimate, not a loan offer or financial advice. Rates, taxes, and program rules vary — a licensed professional can turn these ranges into real numbers for your situation.
Want a human to look at your numbers? BuyerMath is built by Gavin Guthrie of The Mortgage Collective — a free 15-minute "where do I stand?" call costs nothing and isn't a test you can fail.
Explore BuyerMath →