Temporary 2-1 versus permanent points
Mortgage Buydown Calculator
Compare first-year and second-year payments under a temporary 2-1 buydown with a permanent-rate scenario you enter.
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How to read this estimate
A temporary buydown does not change the note rate; funds subsidize early payments. Permanent points may reduce the note rate for the loan term. Enter the actual quoted rates and costs before comparing.
Request a no-credit-pull quoteQuestions about this calculator
Is this buydown calculator a loan quote?
No. It is a planning estimate based only on the information and assumptions you enter.
Will using this calculator affect my credit?
No. The calculator does not request or pull a credit report.
Can a First Equity loan officer review my results?
Yes. Use “Send me these numbers” to securely attach your inputs and results to a follow-up request.