TRU Buyer Boost™ 2-1 & 3-2-1 Rate Buydown Calculator

TRU Buyer Boost™ 2-1 & 3-2-1 Rate Buydown Calculator

Know the Real Cost. Choose the Smart Strategy.

Temporary rate buydowns (2-1 and 3-2-1) are often marketed as “huge savings” — but most buyers never see the real math behind them.

This calculator shows you, in plain dollars, how buydowns actually work and whether they truly benefit your situation.

No guessing.
No sales spin.
Just clear numbers.

🔍 See Exactly How Buydowns Affect Your Payment

With this tool, you can:

✔️ Compare 2-1 and 3-2-1 options side-by-side
✔️ View reduced payments in Years 1, 2, and 3
✔️ Calculate the true total buydown cost
✔️ Track remaining or unused seller/lender credits
✔️ Identify the most efficient strategy
✔️ Avoid overpaying for “marketing gimmick” incentives

You’ll know whether a buydown helps you — or just helps the lender close the deal.

🧭 Designed for Real-World Use

Ideal for:

✔ Homebuyers
✔ Refinance clients
✔ Realtors and advisors
✔ Negotiation and offer strategy

Includes printable summaries for client presentations and offer planning.

👨‍💼 Built by Dan Frio — 35+ Years in Mortgage Lending

These are the same tools used in real client strategy sessions to help buyers structure smarter offers and avoid costly mistakes.

📦 Want Every TRU Calculator in One Place?

Get lifetime access to the full TRU Homebuyer & Homeowner Toolkit™:

👉 https://friodan.gumroad.com/l/aejabs

Includes all current tools + future updates.
Best value. No subscriptions.

💡 Suggested contribution: $5 — pay what you feel is fair.

Educational tools only. Final eligibility and pricing are determined by lender underwriting.