Worth It Math
Home offer decision toolLower price or lower rate?
See which seller concession creates more value based on how long you expect to keep the mortgage.
Your offer
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yrs
7 years
Move the slider to see how your timeline changes the answer.
Assumes the full concession either reduces the price or funds a permanent rate buydown. Taxes, insurance, closing costs, appreciation and tax effects are excluded because they are deal-specific.
Decision at your timeline
Monthly payment savings
True break-even
Includes equity and remaining balance
Advantage at selected year
Side-by-side
Lower priceRate buydown
| Measure | Lower price | Rate buydown |
|---|
Rate buydown advantage over time
Above zero means the lower rate has recovered the higher price.