Buy down calculator

Estimate payments for a temporary 2-1 rate buy down on a fixed-rate loan.

Your estimate

Year 1 principal and interest—

Year 2 principal and interest—

Year 3 onward principal and interest—

Estimated subsidy for first two years—

This models a 2-1 temporary buy down. Year 1 uses two percentage points below the note rate; year 2 uses one point below. The note rate and qualifying payment generally remain the full note-rate payment. Taxes, insurance, and HOA dues are excluded. Calculations are for planning only. Actual loan terms and eligibility require a lender review.

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