Lower Your Interest Rate—Paid by the Seller
This temporary rate reduction makes homeownership more affordable upfront while keeping your long-term financing in place.
What Is a Seller-Paid Buydown?
A seller-paid buydown is a strategy where the seller covers the cost to temporarily lower your mortgage interest rate. Common options are:
2-1 Buydown: 2% lower the first year, 1% lower the second, then regular rate
1-0 Buydown: 1% lower for the first year
Great for buyers who expect their income to increase or plan to refinance later.
How It Works
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Why Use a Buydown?
Buydowns help bridge the gap when rates are high, giving buyers breathing room early on—while sellers use it as a negotiation tool.
Why Buyers & Sellers Like Buydowns:
💰 Lower monthly payments for 1–3 years
🙅♂️ No extra fees for the buyer
📉 Offsets high rates in today’s market
🤝 Helps deals close faster
🏡 Easier path to homeownership
Buydown FAQs
Q: Does the buyer pay for the buydown?
No. The seller covers the buydown cost as part of the closing terms.
Q: Is it available for all loan types?
Most lenders offer buydowns on conventional, FHA, and VA loans.
Q: Can it be combined with down payment assistance or seller credits?
Often, yes—ask your lender for details.
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