Home Affordability
Calculator
See how rate buy downs lower your rate, lower your cost, and open more options. All in 60 seconds.
Enter the home and loan details
Start with the listing price and how much you're putting down.
Compare the rates
Today's market rate vs. the bought down rate. The gap is your monthly savings.
This calculator assumes a permanent rate buy down.
Enter the cost and what the seller covers
The buy down has a cost. A seller credit can offset some or all of it.
Here's what the buy down means
In buyer friendly terms, here is what the lower payment is really worth.
How do you plan to use your rate buy down?
You've seen the savings build. Now pick how to put the buy down to work. You can keep the room in your monthly budget, or convert it into more buying power in today's market.
A · Create affordability
Use the buy down to lower the payment and free up real monthly room, then point that savings wherever life needs it.
You could keep $416/mo each month and put it toward groceries, about $4,994 a year.
B · Increase buying power
Keep the same payment you were already approved for, and let the buy down stretch it across a higher price in today's market.
Same monthly comfort level, just aimed at more home.
Numbers like these don't happen by accident.
You've seen what a buy down can do. The next move is a real one built around your loan, so we can structure the offer on the contract and the financing at the bank to create genuine affordability in today's market.
A short, no pressure conversation. You'll leave knowing exactly where you stand.