2-1 buydown and points comparison

Your scenario

Home price Down payment % Note rate % Seller credit Rate reduction for one point (%)

Year one monthly P&I—

Year two monthly P&I—

Year three onward—

Monthly P&I with one point—

Cost of one point—

2-1 buydown cost—

One-point break-even—

Credit covers 2-1?—

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Make the estimate useful

Start here. Adjust. Compare.

Enter the purchase price, down payment, and example note rate.
Add the seller credit and an illustrative rate reduction for one discount point.
Review years one and two, the ongoing payment, and whether the credit covers the modeled buydown.

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Another useful perspective.

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