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.
Purchase Rate Buydown
PAR Rate
2.972%
Best Buydown Rate
2.750%
Monthly Savings
$87.12/mo
Payback Period
2.6 years
30yr Compound ROI
11.6%
Ready to Use Purchase Rate Buydown?
Get access to this feature and everything else in Rate Buydown Calculator.