Offer strategy
Use a buydown when the math improves the deal, not because the headline rate looks good.
Compare payment relief, estimated subsidy cost and the point where a permanent buydown may break even.
Buydown result
$0 estimated subsidy
P&I only. Taxes, insurance, HOA and mortgage insurance are separate.
Full payment$0
Year 1 payment$0
Year 1 savings$0
Strategy cost$0
Payment path
Offer-strategy question
A temporary buydown is usually funded by a seller, builder or other permitted source. A permanent buydown trades upfront cost for lower payment over a longer horizon. Compare both against price reduction and closing-cost credits.