Rate Buydown Comparison
Analyze the upfront cost and long-term savings of buying down your mortgage rate
Loan Details
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Buydown Type
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Target interest rate after buying down
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Discount points paid at closing
Tip: Lenders typically charge 0.5–1% of the loan per 0.25% rate reduction. Use the exact cost from your Loan Estimate for accuracy.
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Get a personalized buydown analysis with real lender pricing and exact points cost for your scenario.
Monthly Payment Comparison · Principal & Interest Only
Original Rate
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Buydown Rate
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Monthly Savings
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Break-Even Point
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Enter both rates and cost to calculate
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Net Savings Over Time
| Timeframe | Gross Savings | Upfront Cost | Net Benefit |
|---|---|---|---|
| Enter loan details to see projections | |||
Calculations are estimates for principal & interest only. Actual savings depend on loan type, lender pricing, closing costs, prepayment, and other factors. Contact your loan officer for a full cost analysis.