3-2-1 Buydown Calculator
See how our temporary buydown loan options can lower your monthly mortgage payment over the first few years of the loan. Select a three year, two year, or one year buydown option, calculate your total buydown fee, and see how the monthly payment amount changes each year over the buydown period.

Loan Amount

Term (Years)

Interest Rate (%)

Property Tax (Yearly)

Homeowners Insurance (Yearly)

Third-party Contribution toward Buydown Fee

See your lower monthly payment for the first years of the loan. Select Year :
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* Temporary Buydown Options:

  • The 3-2-1 option is based off of a monthly payment for an interest rate 3 points lower than the note rate in year one, 2 points lower than the note rate in year 2, and 1 point lower than the note rate in year 3.
  • The 2-1 option lowers the monthly payment based off of a monthly payment for an interest rate 2 points lower than the note rate in year 1, and 1 point lower than the note rate in year 2.
  • The 1 year option lowers the monthly payment based off a monthly payment for an interest rate 1 point lower than the note rate.

Disclaimer: Calculations on the breakdown, timeline, and amortization schedule are based on a hypothetical payment scenarios. Some numbers may be rounded. Depending on the loan program, if your down payment is less than 20% you may have mortgage insurance. You may qualify for a full range loan programs with down payment options as low as 0% for qualified veterans or qualifying properties. Contact your loan representative to confirm which program is best for you. These calculators are only meant to estimate results based on the information you enter. They do not take into account all factors that you should consider when choosing a mortgage, nor can we guarantee that the terms you enter reflect terms actually offered.
Which loan option is right for you?

Find out more about the home buying and home refinancing processes.

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