Seller concessions & buydowns

Turn seller credits into stronger payment strategy.

Compare using concessions for closing costs, permanent points, and temporary buydowns so buyers and agents can negotiate with a clearer plan.

Purchase price$Down payment$Note rate%Loan termyearsSeller concession$Subject to program, occupancy, property, and down-payment limits.Estimated closing costs$Permanent buydown pointspoints1 point = 1% of the loan amount.Estimated rate reduction%Temporary buydown optionTemporary buydowns require a funded escrow/subsidy and underwriting approval.

These calculators are for education and planning only. They are not a loan estimate, approval, commitment to lend, rate quote, or offer to enter into an agreement. Final qualification, pricing, taxes, insurance, HOA dues, PMI, credits, and cash-to-close depend on the full application, property, credit, program, and underwriting review.

Concession left after closing costs

$4,000

This is the pool you may be able to use toward points or a temporary buydown.

Loan amount

$517,500

Concession to closing costs

$11,000

Permanent point cost

$5,175

Concession may not fully cover these points.

Payment after permanent buydown

$3,271

$86 estimated monthly P&I savings

Temporary buydown escrow

$11,922

Concession may not fully cover this buydown estimate.

Year 1 temporary P&I

$2,700

Year 2 temporary P&I

$3,020

Full note-rate P&I

$3,356

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