: For temporary buydowns, the tool should display a year-by-year payment schedule (e.g., 4% in Year 1, 5% in Year 2, 6% in Year 3) so you can prepare for the "payment shock" when the rate hits its permanent level.
: Best for permanent discount points. It provides a clear break-even analysis , showing exactly how many months it takes for monthly savings to offset upfront costs. mortgage rate buy down calculator
: A quality calculator must show the "point of no return"—the month where your cumulative savings equal the upfront fee. If you plan to move before this date, the buydown is a net loss. : For temporary buydowns, the tool should display
