Raise score vs buy-down rate
Compare waiting to improve your mortgage rate versus paying points to buy down the rate now.
Compare waiting to improve your rate (score path) versus paying cash to buy down the rate now. Educational math only - not a rate lock, closing advice, or score guarantee.
Principal only
APR without score work or points
Target APR after score improvement or buydown
Cash to reach the better rate now
0 if you can close at the better rate immediately
Optional: rent gap, storage, etc. Use 0 to ignore
Path comparison
Score path nets more
under these educational assumptions (not a guarantee)
- Full-term interest savings (better rate)
- $63,136.80
- Monthly payment savings
- $175.38 /mo
- Score path delay cost
- $0.00
- Buydown cash cost
- $5,000.00
- Score path net (savings − delay)
- +$63,136.80
- Buydown path net (savings − points)
- +$58,136.80
+$63,136.80
+$58,136.80
Under these educational assumptions, waiting for a stronger rate (score path) nets more than paying for a buydown. Real closings depend on market rates, lock periods, and underwriting - not a guarantee.
Educational estimates only. Not credit repair advice, not a guarantee of score changes or loan approval. Results vary; we are not a lender or law firm.