Seller-paid buydown

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

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

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.

By design this page shows no rates, APRs, payments, or down-payment percentages. Those figures are only published with the full disclosure block required by Regulation Z.

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