Monthly Mortgage Payment Calculator
Estimate a full monthly payment including principal, interest, taxes, and homeowners insurance.
Mortgage Rate Buydown Calculator
Temporary Buydown Calculator
Estimate the total buydown subsidy needed for a 1-0, 2-1, or 3-2-1 temporary mortgage buydown and show the borrower’s lower principal and interest payment during the buydown period.
Enter Your Buydown Scenario
This calculator follows the uploaded worksheet formulas exactly: Total P&I at the note rate minus the borrower’s temporary-rate P&I equals the Monthly Buydown Amount. Buydown Funds equals Monthly Buydown Amount multiplied by 12 months.
Loan Details
Buydown Structure
Optional Add-Ons
Estimated Buydown Results
The key number is the estimated total buydown funds needed from the seller, builder, or other approved source, based on the difference between the note-rate P&I payment and the borrower’s temporary P&I payment.
Total P&I at Note Rate
$3,354
First-Year Borrower P&I
$2,670
First-Year Monthly Buydown
$684
Total Buydown Funds
$12,416
Quick read: this 2-1 Buydown estimates total buydown funds of $12,416. The borrower’s first-year principal and interest payment is estimated at $2,670.
| Months | Interest Rate After Buydown | Monthly Buydown Amount | Borrower Monthly P&I | Total Payment With Add-Ons | Buydown Funds |
|---|---|---|---|---|---|
| 1-12 | 3.99% | $684 | $2,670 | $2,670 | $8,203 |
| 13-24 | 4.99% | $351 | $3,003 | $3,003 | $4,213 |
| After Buydown | 5.99% | $0 | $3,354 | $3,354 | $0 |
Note: The buydown subsidy applies only to the principal and interest monthly payment. It does not subsidize escrow payments, mortgage insurance, property taxes, insurance, HOA dues, or other housing costs.
This calculator is for informational purposes only and should be used to estimate the total buydown subsidy provided by the seller, builder, or other approved source. Rates and terms are subject to change without notice. Eligibility and allowable credits vary by loan program, property type, occupancy, lender, and underwriting guidelines.
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This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Bureau of Real Estate, Broker #01821025; NMLS# 135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender.
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