Assured Mortgage Solutions · Homebuyer tools
Temporary Rate Buydown Calculator
Explore how a 1-0, 2-1, or 3-2-1 temporary buydown could lower your principal-and-interest payment in the first years of your mortgage—and what it costs to fund those savings.
Enter your home purchase details
Automatically calculated from the purchase price and down payment. You can edit the loan amount directly, too.
Changing the loan amount updates the down payment percentage automatically. The note interest rate is the rate before the temporary buydown.
Enter valid values: a positive purchase price, a loan amount no greater than the purchase price, a down payment below 100%, and a loan term of 5–40 years.
Compare all three options
Select a program to view the payment schedule belowSelected payment breakdown
2-1 temporary buydown
See how your monthly P&I payment increases as the buydown steps down.
Swipe the table sideways to view all columns →
| Payment period | Effective rate | Monthly P&I | Monthly savings | Subsidy for period |
|---|
Questions about a temporary buydown?
Our team can help explore whether a buydown fits your financing scenario.
Illustration only. Calculations mirror the uploaded Excel workbook: the buydown subsidy is the difference between the fully amortizing principal-and-interest payment at the note rate and the payment calculated at each temporary reduced rate, multiplied by 12 months for each buydown year. The note rate and loan terms do not change. Final funding amounts may differ due to lender rounding, escrow administration, program restrictions, or payment dates. The subsidy is typically deposited upfront into a buydown account by an eligible funding source, subject to applicable lender and loan-program requirements. Figures exclude taxes, property insurance, mortgage insurance, fees, and other housing expenses. Financing and buydown availability are subject to approval. Assured Mortgage Solutions, LLC · NMLS #868782.
