Seller-Paid Buydown
Learn how a seller contribution may temporarily reduce your mortgage payments.
A seller-paid temporary buydown uses a seller contribution to lower your mortgage payment for an initial period, after which the full payment applies.
Potential benefits
- Lower payments during the early years of the loan.
- Can be negotiated as part of your purchase.
- May provide breathing room as you settle into a new home.
General eligibility considerations
- The seller must agree to fund the buydown.
- Seller contribution limits apply by loan program.
- You must qualify based on the full note-rate payment.
Important limitations
- Payments increase once the buydown period ends.
- Not available on every loan program.
- Funds used for a buydown are not available for other concessions.
Common questions
What happens if I refinance early?
How unused buydown funds are handled depends on the program. Ask your loan expert before relying on this feature.
Is a temporary buydown the same as buying points?
No. A temporary buydown lowers payments for a set period; discount points are typically intended to lower the rate for the life of the loan.
Is Seller-Paid Buydown right for you?
Every situation is different. Book a no-pressure consultation and a licensed loan expert will review your goals and walk through the options that may fit.
Program descriptions are general information, not a loan offer or commitment to lend. Eligibility, rates, fees, and terms depend on your circumstances and lender requirements and are subject to change. Not all applicants will qualify.
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