Agent Tool
Listing Payment Scenarios
Enter a rate you've been quoted
Enter from a quote; used in cash to close
Permanent buydown — lender quote required
1 point = 1% of the loan
Total monthly payment — Year 1 vs. Year 3+
Enter a lender-quoted rate and point cost to show this scenario.
Scenario comparison
| A. List price, no concession | B. Price reduction | C. Seller-paid 2-1 buydown | D. Permanent buydown (lender quote) | |
|---|---|---|---|---|
| Purchase price | $1,300,000 | $1,260,000 | $1,300,000 | $1,300,000 |
| Down payment | $260,000 | $252,000 | $260,000 | $260,000 |
| Loan amount | $1,040,000 | $1,008,000 | $1,040,000 | $1,040,000 |
| Note rate | 7.375% | 7.375% | 7.375% | — |
| Year 1 payment (P&I) | $7,183.02 | $6,962.01 | $5,823.70 | — |
| Year 2 payment (P&I) | $7,183.02 | $6,962.01 | $6,488.25 | — |
| Year 3+ payment (P&I) | $7,183.02 | $6,962.01 | $7,183.02 | — |
| Total monthly — Year 1 | $8,733.02 | $8,472.01 | $7,373.70 | — |
| Total monthly — Year 3+ | $8,733.02 | $8,472.01 | $8,733.02 | — |
| Seller concession / reduction | — | $40,000 | $40,000 | $40,000 |
| Buydown cost | — | — | $24,649 | — |
| Est. buyer cash to close | $260,000 | $252,000 | $260,000 | — |
P&I = principal and interest. Total monthly adds taxes, insurance, HOA and mortgage insurance. Leftover concession beyond the buydown cost is shown as a credit toward closing costs, up to the closing cost amount.
All payment scenarios are estimates for educational purposes only. Actual interest rates, loan terms, temporary buydown availability, seller concessions, qualification requirements, and closing costs are subject to lender approval and applicable loan program guidelines. This is not a commitment to lend.
Listing financing report
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Educational estimate only. Results are not a Loan Estimate, rate lock, rate commitment, or guarantee of loan approval. Actual rates, payments, taxes, insurance, and program eligibility vary and are subject to underwriting. Contact Marc Chamberlain for a personalized quote.
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