Calculators
Run your numbers before you talk to anyone
Switch programs at the top: full payment, purchase power, refinance break-even, temporary buydowns, and ARMs. Rough math here, precise math on a call.
3-2-1, 2-1, 1-1, and 1-0 structures
$
%
yrs
Cost of the temporary buydown
$13,232
Year 1 at 4.375%$2,921/mo
Year 2 at 5.375%$3,276/mo
Year 3 and after$3,650/mo
First-year monthly savings$729/mo
Principal and interest only. The subsidy sits in an escrow account and is usually paid by a seller or builder credit, so the qualifying rate stays the note rate on most programs.
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