Seller-paid buydown

The seller contributes funds at closing that lower your payment for the first years of the loan.

Foto: Adobe Stock (free collection) · Adobe Stock standard license · asset 355855708 · licensed 2026-09-06 under the Chris Does Photos account

Nota: Página en español pendiente: esta página se publicará en español después de la revisión de un oficial de préstamo bilingüe. A continuación se muestra la versión en inglés.

Who it's for

Buyers negotiating in a market where sellers are offering concessions.

How it works

Seller credits are placed in an account that subsidizes your payment for a set period, most often two or three years.
Your loan's actual rate doesn't change; you qualify on the full payment.

What you'll need

A seller willing to contribute
A program that allows buydowns

Common questions

Should I ask for a buydown or a price cut?

Often the buydown lowers your payment more for the same seller dollars. We'll show you both numbers. Specific payment figures are provided in writing with required disclosures.

Por diseño, esta página no muestra tasas, APR, pagos ni porcentajes de pago inicial. Esas cifras solo se publican con la divulgación completa exigida por la Regulación Z.

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