ConventionalExplore as little as 3-5% down payments, mortgage insurance, and flexible property choices with Fannie Mae and Freddie Mac.
Temporary Buydown Calculator
Compare 1-0, 1-1, 2-1 and 3-2-1 payment subsidies, the full payment and estimated upfront funding.
Build a useful comparison
Enter your loan amount, full note rate and term. Choose a plan and include taxes, Annual Home Insurance, mortgage insurance and HOA. Compare the introductory payments with the full payment after the buydown.
Our team can help compare a temporary subsidy, permanent discount points and other uses of seller credits. Qualifying is based on the full note-rate payment, not the introductory payment.
Compare temporary buydown payments
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Smart home financing starts with strategy
Buying or refinancing? We compare options across our network of 150+ wholesale lenders, explain the trade-offs, and build a plan around your goals. Start with a pre-approval video conversation so you know what to expect before moving forward.
Questions worth asking
Does a temporary buydown lower my actual note rate?
No. The note rate stays the same. A funded subsidy helps cover part of the contractual payment for the agreed introductory period.
What is the difference between 1-0 and 1-1?
A 1-0 plan reduces the borrower’s payment-equivalent rate by one percentage point for one year. A 1-1 plan does so for two years, then returns to the full note-rate payment. Availability depends on the selected program.
How much does a 2-1 or 3-2-1 buydown cost?
The estimate adds the monthly payment shortfall over the covered years. The subsidy is paid upfront; it is not free interest savings. Our team can compare that cost with a permanent rate buydown and other uses of credits.
Can seller credits pay for the subsidy?
An eligible funding source may pay it. Interested-party limits and actual allowable costs still apply. We can review the purchase agreement and financing program before you negotiate the credit.
What happens if I refinance or sell early?
Unused funds follow the written buydown agreement and servicing rules. Do not assume they become cash back. We can help you review the agreement and compare plans without assuming a future refinance.
Planning sources: Fannie Mae temporary buydown guidance and interested-party contribution rules. Reviewed October 4, 2026.
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Plan your next move
Bring your goals and a property address if you have one. Paul Cederholm, mortgage expert and real estate financing strategist, can help you compare the financing choices and plan your next step.
Ready to begin? Start your loan application. Prefer a direct conversation? Call 303-931-6798.
*Information, scenarios, and calculations are for educational and illustrative purposes only—not a loan offer, a commitment to lend, a rate quote or an approval. Programs, costs and qualification requirements depend on the borrower, property, selected lender and current guidelines. Examples are not guaranteed results. Our team can review the details for your situation. These tools do not replace a Loan Estimate, an underwriting decision, or legal or tax advice. Check all figures before relying on them; Cederholm Mortgage Advisors does not warrant the accuracy or completeness of estimates and, to the extent permitted by law, is not responsible for losses arising from reliance on these tools. This notice does not waive rights that cannot legally be waived.