3-2-1 buydown calculator
The payment steps up over three years before the full payment begins in year four.
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Free Temporary Buydown Calculator
Compare a 3-2-1, 2-1, or 1-0 temporary mortgage buydown. Enter your home and loan details to see each year's estimated payment, monthly savings, and total buydown cost.
Your mortgage interest rate does not change. A temporary buydown lowers the payment for a limited time; it is not a permanent rate reduction.
Your numbers stay private. Calculations happen in your browser and are not submitted or saved.
Plain-English guide
How a temporary mortgage buydown works
A temporary buydown uses money set aside at closing to cover part of the borrower's principal-and-interest payment during the first one to three years. The mortgage interest rate and loan term stay the same.
Compare 3-2-1, 2-1, and 1-0 buydowns
2-1 buydown calculator
The payment steps up over two years before the full payment begins in year three.
1-0 buydown calculator
The payment is temporarily reduced for one year before the full payment begins in year two.
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