--- title: "Rate Buydown Calculator | Seller Paid Buydown | Raven Mok" url: https://ravenmok.com/tools/buydown-calculator description: "Compare a 2-1 temporary buydown against permanent discount points and see what each one does to your monthly principal and interest, and what it costs to get there." lang: en --- Buydown Calculator # Rate Buydown Calculator Compare a 2-1 temporary buydown against permanent discount points and see what each one does to your monthly principal and interest, and what it costs to get there. Estimated principal and interest No buydown 6.75 percent $2,594 Year 1 4.75 percent $2,087 Year 2 5.75 percent $2,334 Year 3 onward 6.75 percent $2,594 Total buydown cost $9,215 Year 1 monthly savings $508 Estimate only. Principal and interest on a 30 year fixed loan. Excludes property taxes, insurance, HOA, and mortgage insurance. Actual buydown cost and rate reduction depend on your lender, loan type, credit, and the day's pricing. Raven Mok is a real estate agent, not a lender. Confirm all figures with a licensed loan officer. Why a buydown often beats a price cut + Most buyers negotiate the price and never ask about the rate. On the same house, the same dollars applied to a rate buydown usually move the monthly payment several times more than a price reduction of equal size. A 2-1 temporary buydown lowers the rate by 2 points in year one and 1 point in year two, then returns to the note rate. Permanent discount points lower the rate for the life of the loan. Which one fits depends on how long you plan to stay and whether you expect to refinance. Sellers and builders often prefer a buydown to a price cut because their recorded sale price stays intact, which protects the comps. That is why builders in Prosper, Celina, and Frisco lead with financing incentives. This calculator is an estimate of principal and interest only. It excludes taxes, insurance, HOA, and mortgage insurance. Raven Mok is a real estate agent, not a lender. Confirm every figure with a licensed loan officer. ## Want the buydown play for a specific house? Send me the address and I will tell you whether that seller is likely to say yes and what to ask for. ## Structured data ```json [ { "@context": "https://schema.org", "@type": "Person", "name": "Raven Mok", "jobTitle": "Real Estate Advisor & Former CPA", "description": "Raven Mok is a licensed Texas real estate agent and former CPA serving North Dallas. She founded Raven Home Co. under eXp Realty DFW and holds the CLHMS luxury designation. 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Specializing in wealth strategy, new construction, relocation, and strategic home sales across North Dallas.", "url": "https://ravenmok.com/", "telephone": "+1-408-234-9393", "email": "raven@ravenmok.com", "founder": { "@type": "Person", "name": "Raven Mok" }, "address": { "@type": "PostalAddress", "addressLocality": "Prosper", "addressRegion": "TX", "addressCountry": "US" }, "areaServed": [ "Prosper, TX", "Celina, TX", "Frisco, TX", "McKinney, TX", "Allen, TX", "Plano, TX", "North Dallas, TX", "Dallas-Fort Worth, TX" ], "slogan": "Strategy First. Results Always.", "priceRange": "$$$", "knowsLanguage": [ "en", "vi" ], "sameAs": [ "https://www.facebook.com/RavenHomeCo/", "https://www.instagram.com/ravenhomeco/", "https://ravenmok.com" ] }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Who is Raven Mok?", "acceptedAnswer": { "@type": "Answer", "text": "Raven Mok is a licensed Texas real estate advisor and former Certified Public Accountant (CPA) serving the Dallas-Fort Worth metroplex. She founded Raven Home Co. under eXp Realty DFW and brings a CPA's financial training to every real estate decision, with prior experience at PricewaterhouseCoopers. She is fluent in English and Vietnamese and serves clients across Prosper, Celina, Frisco, McKinney, Allen, and North Dallas." } }, { "@type": "Question", "name": "What is Raven Home Co?", "acceptedAnswer": { "@type": "Answer", "text": "Raven Home Co. is a boutique real estate advisory team founded by Raven Mok, former CPA, operating under eXp Realty in the Dallas-Fort Worth metroplex. The team specializes in wealth strategy, new construction guidance, relocation services, and strategic home selling across North DFW." } }, { "@type": "Question", "name": "What areas does Raven Mok serve?", "acceptedAnswer": { "@type": "Answer", "text": "Raven Mok serves the Dallas-Fort Worth metroplex with primary focus on Prosper, Celina, Frisco, McKinney, Allen, Plano, and the greater North Dallas corridor in Texas." } }, { "@type": "Question", "name": "What makes Raven Mok different from other Dallas real estate agents?", "acceptedAnswer": { "@type": "Answer", "text": "Raven Mok holds an active Texas real estate license and is a former Certified Public Accountant (CPA), with prior experience at PricewaterhouseCoopers. This dual expertise allows her to analyze the full financial and tax implications of real estate decisions. She is a 2x eXp ICON Award recipient." } }, { "@type": "Question", "name": "Does Raven Mok speak Vietnamese?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Raven Mok is Vietnamese-American and fluent in both English and Vietnamese. She serves the Vietnamese community in Dallas-Fort Worth alongside clients of all backgrounds." } }, { "@type": "Question", "name": "How can I contact Raven Mok?", "acceptedAnswer": { "@type": "Answer", "text": "You can reach Raven Mok at raven@ravenmok.com or by phone at 408-234-9393. Book a consultation at ravenmok.com." } } ] } ] ```