Buy Down Points Calculator

Temporary or permanent rate buydown cost vs payment savings — same points math, framed for buydown shopping.

Loan amount

Term (months)

Rate without points (%)

Rate with points (%)

Points (%)

Assumptions

Models upfront points percent × loan amount vs lower note rate payment.
Does not model 2-1 temporary buydown schedules year-by-year unless you approximate with rates.
Estimate only.

Engine: buyDownPoints. Numbers are estimates only.

Is this a lender quote?

No. It is an educational estimate using the numbers you enter.

Why do biweekly results differ from my bank?

Servicers may apply biweekly payments differently (true biweekly vs accelerated monthly). Treat results as directional.

Do you store my inputs?

No account and no server-side storage of calculator inputs — math runs in your browser.

Estimates only. See Disclaimer.