Compare 1-0, 1-1, 2-1, and 3-2-1 buydown programs — show clients their real payment savings and total subsidy cost.
✏️ Loan Details
💰 Refund Calculator
Total Buydown Subsidy
$0
—
Year 1 Savings/Mo$0
Note Payment$0
Cost in Points0.0000 pts
📅 Payment Schedule
| Period | Effective Rate | Monthly P&I | Monthly Subsidy | Yearly Subsidy |
|---|
📊 Summary
Full Note Payment (P&I)$0At full note rate
Year 1 Discounted Payment$0P&I only during buydown
Total Subsidy (All Years)$0Paid by seller/lender
All-In Year 1 Payment$0P&I + taxes + insurance + MI
🔄 Refinance Refund Estimate
Payments Made0
Total Subsidy Used$0
Projected Refund$0
Calculations based on the ZMG Buydown Calculator. Monthly subsidy equals the difference between the note-rate payment and the discounted-rate payment for each buydown period. Refund is calculated as total subsidy less the sum of monthly subsidies used through the number of payments made. This is an estimate — actual refund amounts may vary by lender and servicer. Property taxes, insurance, and MI/PMI are added directly to the discounted payment to show all-in monthly cost. Consult your loan officer for exact terms.