TH

Mortgage Advisor

Trent Hufstetler

Permanent Rate Buydown Calculator

See what a permanent rate buydown is really worth.

Compare monthly payments, seller credits, break-even point, and long-term interest savings all in one clear picture.

Loan Details

Enter the basics of the mortgage scenario.

$
$
Auto-calculated
$

Permanent Rate Buydown

Compare the original rate against the bought-down rate and estimate the net cost.

%
%
1 point ≈ 1% of the loan amount.
Auto-calculated
$
Credit used to offset the buydown cost.
$
$6,400

Quick scenarios

Monthly Savings

$106/ mo

Annual Savings

$1,276

Break-Even

61 mo

Lifetime Interest Savings

$38,286

Baseline

Without Buydown

Interest Rate
7.000%
Monthly P&I
$2,129
Total Interest
$446,428

Recommended

With Permanent Buydown

Interest Rate
6.500%
Monthly P&I
$2,023
Total Interest
$408,142

What This Means in Plain English

With this permanent rate buydown, the estimated monthly principal and interest payment drops by $106 per month. That equals about $1,276 in yearly savings and $38,286 in interest savings over the life of the loan.

It's like buying it for…

same payment, at 7.000%

Sticker

$400,000

Feels like

$384,015

Like getting $15,985 off the price.

Your $2,023/mo payment at 6.500% is what you'd pay at today's 7.000% market rate on a home priced around $384,015. Not an actual reduction in purchase price.

Talk to Trent

Want to see if a buydown makes sense on your scenario?

Reach out directly and I'll review the buydown, credits, and break-even against real lender pricing.

Trent Hufstetler

Mortgage Advisor

331-442-1118

thufstetler@nexalending.com