Buydown Savings Calculator
See if a rate buydown actually pays off.
Compare a temporary or permanent rate buydown against your base rate to see the real monthly savings and break-even—so you know whether the upfront cost is worth it.
What this calculator helps you figure out
- Models 2-1 and permanent buydown scenarios
- Shows monthly savings and total break-even
- Helps sellers credits work in your favor
Buydown scenario
Without buydown
Reduces your net cost
Year-by-year savings
Year 1
Rate 5.000% · $1,933/mo
$5,550 saved
Year 2
Rate 6.000% · $2,158/mo
$2,840 saved
Year 3
Rate 7.000% · $2,395/mo
$0 saved
Buydown verdict
Monthly savings (Year 1)
$463
From $2,395/mo at base rate
Break-even point
18 months
Until net cost is recouped
A buydown pays off when you stay past break-even — or when a seller covers the cost. Dylan can model your exact scenario with real lender pricing.
Why run the numbers with Dylan?
A calculator gives you a snapshot. Dylan gives you a strategy. With access to over 160 lenders, he structures your loan around your real goals — not just a rate quote. Every client gets clear direction, honest answers, and a plan that actually fits their life.