Rate Buydown & Points Calculator
Compare buying your rate down with points against the payment you’d have at the base rate — and see the seller-concession ceiling for your loan type.
Why a buydown often beats a price cut
If a seller will give you money, applying it to a permanent or temporary rate buydown usually lowers your payment far more than the same dollars taken off the price. Agency rules cap how much a seller can contribute based on your loan type and down payment, so the real question before you write an offer is what your ceiling is in dollars. This calculator shows the payment savings, the break-even, and that ceiling.
Educational estimates only — not a loan approval, appraisal, or tax advice. Your Colorado Home Group agents are licensed REALTORS® with Keller Williams Realty DTC, not lenders, CPAs, or attorneys. Equal Housing Opportunity.
Keller Williams Realty DTC