Sample Listing: 2-1 Buydown
Your payment with a 2-1 buydown
The seller credit lowers your rate by 2% in year one and 1% in year two. From year three on, you pay the standard rate.
That is about $17,100 in lower payments over the first two years, paid for by the seller. Totals include principal, interest, estimated property taxes, homeowners insurance, and HOA dues. You qualify at the full 7.50% rate.
Same home, three ways to finance
| 2-1 temporary buydown Lowest starting payment |
Permanent buydown | No buydown | |
|---|---|---|---|
| Loan amount | $719,200 | $719,200 | $719,200 |
| Term | 30 years | 30 years | 30 years |
| Down payment | $179,800 (20%) | $179,800 (20%) | $179,800 (20%) |
| Loan type | Conventional fixed | Conventional fixed | Conventional fixed |
| Rate | 5.50% year 1 6.50% year 2 7.50% years 3 to 30 | 6.75% | 7.50% |
| APR | 7.464% | 6.96% | 7.59% |
| Principal and interest | $4,084 year 1 $4,546 year 2 $5,029 years 3 to 30 | $4,665 | $5,029 |
| Total monthly | $5,530 year 1 $5,992 year 2 $6,475 years 3 to 30 | $6,111 | $6,475 |
See your exact payment on this home
Tell us a little about yourself and we will run your real numbers with the seller-paid rate buydown. No cost and no obligation.
How it works
The seller pays to lower your rate
The seller is contributing a credit at closing to buy down your interest rate. You do not pay for it.
You choose the option that fits
A lower payment for the first two years, or a lower rate for the life of the loan. We will run both with your real numbers.
Leftover credit helps at closing
If the buydown costs less than the full credit, the rest can go toward your closing costs, within loan program limits.
Property highlights
A three-level end unit townhome in a gated, six-unit building. The main level opens up with high ceilings, tall windows, hardwood floors, and a fireplace.
Central air throughout, washer and dryer included, and subterranean tandem parking with a storage container. Minutes from Culver City dining, Sony Pictures Studios, gyms, and shopping.
Questions? Talk to us
Lower Payment Financing available through California Home Solution, Inc.
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here
Cell (818) 266-7995
Office (818) 999-6070 ext. 301
manny@cahomesolution.com
This is not a commitment to lend. Rates, APRs, and payments shown are estimates as of 9/30/2026 and are subject to change without notice. Examples assume a purchase price of $899,000, a 20% down payment of $179,800, a loan amount of $719,200, and a 30-year fixed conventional loan. Rates are not locked.
Total monthly payments include principal and interest, HOA dues of $460 per month, and estimated property taxes and homeowners insurance of $986 per month. Your actual taxes, insurance, and payment may be higher.
2-1 temporary buydown: the reduced payments in years one and two are funded by a seller credit deposited at closing. The rate increases to 6.50% in year two and to the full note rate of 7.50% in year three and remains there for the rest of the loan term. Borrowers must qualify at the full note rate. Seller concessions are subject to the terms of the purchase contract and loan program limits on interested party contributions.
Actual rate, APR, and payment depend on credit, property, occupancy, and loan program. All loans are subject to credit approval, underwriting, and property eligibility.
