Purchase Rate Buydown
Compare multiple rate/cost pairs from your lender to find the optimal buydown for a purchase.
How Purchase Buydown Analysis Works
Enter your loan amount, purchase price, and up to 20 rate/cost pairs from your lender. The tool calculates payments, savings, and ROI for each option vs. the PAR rate.
- Enter up to 20 rate/cost pairs from your lender
- Auto-calculate PAR rate from credit/cost breakpoints
- See payment differences and annual savings instantly
- Compare buydown cost vs. extra down payment strategy
Why This Matters
Paying points to lower your rate is one of the most misunderstood decisions in real estate. This tool removes the guesswork and shows you exactly when each option pays for itself.
- Know your exact payback period for each rate option
- Compare buydown vs. using that money as extra down payment
- See 30-year cumulative cash flow impact of each choice
Sample Output
See what this feature calculates for you.
Explore More Features
See everything Rate Buydown Calculator has to offer.
Included with All Apps
These features come with every app -- no extra cost.
Property Database
70+ fields, auto-save editing, live calculation sidebar, smart search and filtering.
Learn more →Comprehensive Property Data
Every number an investor needs across 11 organized sections with smart field types.
Learn more →Smart Editing & Live Sidebar
Auto-save with 800ms debounce, per-section status badges, and real-time calculations.
Learn more →Property Classification
Tag properties by investment strategy and property type. Filter and sort your entire portfolio.
Learn more →Real-Time Calculations
27 key metrics across 5 categories computed instantly as you type, with clickable walkthroughs.
Learn more →Portfolio Dashboard
Portfolio highlights, property cards, strategy and type breakdowns, overview charts, and cross-app features.
Learn more →AI Property Import
Copy a prompt, paste your MLS listing into any AI tool, and import 20+ property fields in seconds.
Learn more →Ready to Use Purchase Rate Buydown?
Get access to this feature and everything else in Rate Buydown Calculator.