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Rate Buydown calculator.

Compare permanent and temporary rate buydowns to understand upfront cost, payment savings, and break-even timing.

Free · No sign-up

Choose buydown type

Each point typically reduces the rate by about 0.25% and costs 1% of the loan amount.

No buydown calculated yet

Choose permanent or temporary, enter your loan details, and run the calculation to see how a buydown changes your rate and payment.