3-2-1 Buydown Calculator

Run your own numbers

Enter a loan amount, the note rate you are considering, the term, and your yearly property tax and homeowners insurance. The calculator amortises the loan at the note rate and at each bought-down rate, shows the payment for every year of the buydown, and totals the buydown fee that would have to be deposited at closing. If a seller or builder is contributing, set the third-party contribution to see how much of that fee their concession covers.

If the calculator does not load, open it in its own tab (its figures are illustrative estimates only, not an offer or a quote), or ask us for the numbers on a real quote.

Every figure this calculator shows is an illustrative estimate computed in your browser from the numbers you type in. The pre-filled values are placeholders, not our pricing, and nothing here is an offer, a rate quote, an approval, or a commitment to lend. It does not compute an annual percentage rate: where a buydown is reflected in the credit contract, Regulation Z requires disclosure with a composite APR, which only your Loan Estimate for an actual file will show. Taxes and insurance are the yearly amounts you enter, divided by twelve. Equal Housing Opportunity. Valley West Mortgage, NMLS #65506.