Jun '25 • 🤔 General discussion
New Tool Drop
We just uploaded a 2-1 Buydown Calculator to help you figure out how much of a seller credit you’ll need for your buyers.
Here’s how to use it:
1️⃣ Enter the loan amount
2️⃣ Enter the purchase price
3️⃣ Use 6.625% for the rate (as of today
4️⃣ Set the loan term to 30 years
5️⃣ Enter 12 for the number of payments
That’s it — you'll get a quick breakdown of what your buyers need to make a 2-1 buydown work.
Get your buyers lower payments and win more deals.
2-1 Buydown Savings Example
Loan Details:
- Loan Amount: $300,000
- Loan Term: 30 years
- Standard Interest Rate: 6.625%
- Buydown Rates:
Monthly Payments:
- Year 1 (4.625%): $1,542.42
- Year 2 (5.625%): $1,726.97
- Years 3–30 (6.625%): $1,920.93
Monthly Savings Compared to Standard Rate:
- Year 1: $378.51
- Year 2: $193.96
Net Benefit to Buyer: $6,885.60 in reduced payments over the first two years
You can refinance at any time if interest rates drop, potentially securing even lower payments for the remainder of your loan term.
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New Tool Drop
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