Buydown Analyzer — HomeWealth Solutions

HOMEWEALTH SOLUTIONS

Buydown Analyzer — Seller Contribution Comparison

Client Info (appears on printout)

Prepared For

Prepared By (Agent)

Loan Scenario

Sales Price

Down Payment %

Interest Rate %

Seller Contribution $

Rate/Point Reduction

Buydown Type

Global Assumptions

Annual Taxes

Annual HOI

Closing Costs %

Analysis Horizon (yrs)

No Contribution

—

Interest rate

—

Baseline

Price Reduction

—

Permanent Buydown

—

2/1 Buydown

—

SIDE-BY-SIDE COMPARISON

Same seller contribution — different strategies

	No Contribution	Price Reduction	Permanent Buydown	2/1 Buydown

Cumulative Buyer Savings

vs. No Contribution baseline over 5 years

Savings at Month: 60

Yr 5

Price Reduction

—

Perm. Buydown

—

2/1 Buydown

—

Key Metrics

Buydown escrow cost —

Contribution covers buydown? —

Perm beats temp at month —

Points purchased —

Rate reduction (perm) —

Perm monthly savings —

Disclosure: This communication is for informational and educational purposes only and does not constitute an offer to lend or a commitment to make a loan. All loans are subject to credit approval, underwriting guidelines, and property approval. Interest rates, payment examples, programs, and terms are illustrative, vary by borrower qualification, and are subject to change without notice. Not all applicants will qualify. Examples shown do not reflect all costs of a mortgage transaction. Temporary buydown payments reflect buyer's out-of-pocket cost; loan amortizes at note rate. Consult a licensed tax or legal advisor regarding your individual situation. HomeWealth Solutions LLC is licensed by the Florida Office of Financial Regulation, Mortgage Broker License #MBR8082. Verify our licensure at www.nmlsconsumeraccess.org. Equal Housing Opportunity. | NMLS #2742458 | Doug Smith NMLS #2609118

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