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2-1 rate buydown calculator
A 2-1 buydown lowers your rate by 2% in year one and 1% in year two — a concession sellers are offering in today's market. See how it works.
With a 2-1 buydown, your interest rate is reduced by 2 percentage points in year one and 1 point in year two, then returns to the note rate. It's often paid by the seller as a concession — a smart ask in the current Frisco market.
2-1 buydown payments (P&I)
Year 1 — rate $0
Year 2 — rate $0
Year 3+ — rate $0
Total buydown cost (often seller-paid)
$0
Estimate only (principal & interest). The total buydown cost is typically held in escrow and applied to your payments; terms vary by lender. Confirm specifics with your lender.
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