Use this temporary buydown calculator to see exactly how much a 2-1 or 3-2-1 mortgage rate buydown lowers your payment in years one through three. The tool shows your step-up payment matrix, the total escrow cost the seller or builder needs to fund, and your year-one savings on a typical Texas home loan. Read how temporary buydowns work, compare them on our rates page, or run a permanent rate-buy on our discount points calculator.
STX Lending Hub
Structure Type
Example rate. Change it to match your quote; your APR will differ.
This tool estimates the escrow needed for a 2-1 buydown. The savings shown cover only the principal and interest part of your payment.
Results are estimates for illustration. Prefilled rates are examples based on national averages as of September 28, 2026, not offers. Your rate and APR depend on your credit, loan and property, and come from a Loan Estimate. Get started for a quote.
Talk with STX Lending about whether a seller-paid or builder-paid buydown fits your purchase.
Bring us a competing Loan Estimate and we will beat it on total lending cost, or tell you straight if we cannot.
TermsWe close Texas loans in 21 days. If we miss that on our end, you get a $1,000 credit toward closing costs.
TermsBuyers referred by a partner agent get up to $1,500 toward closing costs, applied as a lender credit.
TermsEach perk has eligibility rules and limits on its page. Credits apply at closing and cannot be used toward the down payment.
Talk with a loan officer and walk through your options.