Texas Buyer Tool
Rate Buydown Calculator
Should you take a temporary 2-1 buydown from the seller, or use that money to permanently lower your rate? Run both side-by-side.
Your inputs
Year-1 payment
$1,461
vs. base $1,816
Year-1 savings
$4,266
What lands in your pocket
Total cost to fund
$6,450
Usually paid by seller/builder
Buydown length
2 yr
Then payment snaps to base
Year-by-year payment
| Year | Rate | Monthly P&I | Vs. base |
|---|---|---|---|
| 1 | 4.750% | $1,461 | −$355 |
| 2 | 5.750% | $1,634 | −$182 |
| 3 | 6.750% | $1,816 | - |
| 4 | 6.750% | $1,816 | - |
| 5 | 6.750% | $1,816 | - |
Tactical tip: a 2-1 buydown is almost always better as a seller concession than a price reduction of the same dollar amount — you keep the lower payment AND the higher appraisal/equity basis.
Your next step
Turn this into a plan
Step 1 · 30 seconds
See which programs you may qualify for
Four questions surface the federal, Texas state, county, and city programs that fit your situation. No credit pull, no email required.
Take the eligibility quizStep 2 · Free download
Get the 31-page Texas Buyer Playbook
Every stackable program, the concession caps by loan type, lender questions, and the closing-day checklist — in one PDF.
Download the playbookStep 3 · When you’re ready
Get introduced to a licensed local professional
Tell us your county and we’ll introduce you to a TREC-licensed real estate professional who works that market.
Request an introduction