01 The $20,000 decision

Price is a moment. Payment is every month.

Use the seller money you negotiated with intent. Buydown puts a price cut, eligible seller credit, and permanent rate buydown in one clear view.

Compare the math Get the $20K Decision Map

Educational comparisons, not a loan offer, approval, or guarantee of savings.

Your next home

What you keep living withTHE PAYMENT

Seller money can affect more than the number on the offer.

Payment-first
planning

02 The principle

The house price is not what you live with.

Your monthly principal and interest is the number that follows you through the years ahead. That makes the seller concession worth a second look.

03 Same house. Same $20K.

Three ways to use a concession.

There is no universal winner. Eligibility, loan program, rate pricing, and the seller agreement all matter.

Price reduction

Lower the sales price.

Reduce the amount borrowed before your down payment is applied.

Eligible seller credit

Protect cash at closing.

Apply seller funds to permitted costs, subject to lender and program rules.

Permanent rate buydown

Change the monthly payment.

Use seller money toward a lower permanent rate when available and eligible.

04 Explore a working scenario

Put the negotiation on the table.

Adjust the planning assumptions to see illustrative principal-and-interest comparisons. Your lender confirms all final terms.

Illustrative payment view

30-year fixed, principal & interest

Price cut

$2,491per month P&I

Purchase price: $480,000
Working rate: 6.75%

Eligible credit

$2,594per month P&I

Purchase price: $500,000
Potential use: Eligible costs

Permanent buydown

$2,430per month P&I

Purchase price: $500,000
Working rate: 6.125%

Illustrative monthly difference$60

between the price-cut and buydown examples

Illustrative estimates only—not a loan quote or guarantee. Permanent buydowns and seller credits must be allowed by the loan program and approved by your lender.

05 A clearer conversation

Bring better questions to the table.

Buydown helps you organize the tradeoffs before the lender and agent confirm what is possible for your exact transaction.

01
Start with the home.
Share the price, seller concession, and your working loan assumptions.
02
See the tradeoffs.
Compare lower price, eligible costs, and payment-focused possibilities side by side.
03
Confirm with your lender.
Use the comparison to ask sharper questions about eligibility, pricing, and final disclosures.

06 ChadGPT mortgage math

Send the house. We'll map the options.

Tell us what you're considering and we'll help you frame the price-cut, seller-credit, and rate-buydown questions to take back to your team.

One property and seller offer
A clearer comparison starting point
No pressure to choose a loan

07 Go deeper

The $20K Decision Map

A focused, educational comparison for the exact home and concession in front of you.

Get the Decision Map