Rate Buy Down Calculator: Lower Your Mortgage Interest Rate
The Rate Buy Down Calculator helps you quickly compare the true cost and benefit of paying points or using a seller/lender credit to reduce your interest rate. By entering your loan amount, standard rate, buydown rate, and upfront cost, the Rate Buy Down Calculator shows how much your monthly payment drops, how long it takes to break even, and whether the buydown makes sense for how long you plan to keep the loan. It’s a simple way to turn confusing rate buydown offers into clear, side-by-side numbers.
Use the Rate Buy Down Calculator when you’re comparing lender quotes, negotiating seller credits, or deciding how to structure your closing costs. As you adjust rates, points, or time in the home, the Rate Buy Down Calculator updates your savings and break-even period instantly, helping you choose the smartest mix of upfront cost and long-term payment relief for your situation.
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Important Disclaimer
This calculator is for illustrative purposes only and does not constitute financial, legal, or investment advice. Results are based on general assumptions and may not reflect actual performance or eligibility. This is not a loan estimate or approval. Please consult with a licensed mortgage advisor before making financial decisions.
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