Refinance Rate Buydown
Analyze refinance buydown options with costs rolled into the new loan.
How Refinance Analysis Works
Enter your current loan details and refinance options. The tool calculates new loan amounts (with buydown costs rolled in), payment differences vs. both your current rate and PAR rate.
- Roll buydown costs into the new loan amount
- Compare savings vs. current payment AND PAR rate
- Toggle cost inclusion in cumulative cash flow view
- See break-even timeline for refinance + buydown
Why This Matters
When refinancing, the decision to buy down your rate is even more complex because the cost gets rolled into your new loan. This tool handles the math so you can compare apples to apples.
- Account for closing costs in the total picture
- See true payback period when costs are rolled in
- Compare multiple refinance rate options side by side
Sample Output
See what this feature calculates for you.
Refinance Rate Buydown
Current Payment
$866.26/mo
New Payment (bought down)
$723.50/mo
Monthly Savings
$142.76/mo
Payback Period
3.1 years
Ready to Use Refinance Rate Buydown?
Get access to this feature and everything else in Rate Buydown Calculator.