Temporary Buydown Calculator
Estimate your reduced mortgage payments with a temporary buydown and see how much subsidy is needed to lower your payments during the first few years of your loan.
Loan & Buydown Details
Enter your mortgage details and choose a temporary rate reduction structure.
Your Buydown Results
Review your reduced monthly payments, total subsidy, and payment schedule.
Estimated total funds required to cover the difference between the note-rate payment and the reduced payments during the temporary buydown period.
Temporary Buydown Payment Schedule
| Period | Effective Rate | Monthly P&I | Monthly Savings |
|---|---|---|---|
| Year 1 | 4.50% | $0 | $0 |
| Year 2 | 5.50% | $0 | $0 |
| Year 3+ | 6.50% | $0 | $0 |
Buydown Cost Breakdown
Payment Transition
Your monthly payment will increase as the temporary buydown period ends, eventually returning to the full note-rate payment.
Estimates are for informational purposes only. This calculator assumes a fixed-rate fully amortizing mortgage and estimates the subsidy using the payment difference between the note rate and the temporary reduced rate for each buydown year. Actual lender buydown calculations may use specific escrow, subsidy, and servicing rules. Taxes, insurance, mortgage insurance, HOA dues, closing costs, and fees are excluded. Confirm eligibility, costs, and terms with your lender.
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DISCLOSURES & LICENSING: Aggressive Mortgage LLC, NMLS #2408512. Tori Deshaun Simmons, Mortgage Loan Originator, NMLS #2264220. Licensed mortgage broker in the State of Georgia. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Programs, rates, terms, and conditions are subject to change without notice. For licensing information, visit www.nmlsconsumeraccess.org.
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