{"id":57059,"date":"2026-08-28T04:00:36","date_gmt":"2026-08-28T11:00:36","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=57059"},"modified":"2026-09-02T14:20:02","modified_gmt":"2026-09-02T21:20:02","slug":"seller-buy-down-interest-rate","status":"publish","type":"post","link":"https:\/\/www.homelight.com\/blog\/seller-buy-down-interest-rate\/","title":{"rendered":"When Should a Seller Buy Down the Interest Rate for a Buyer?"},"content":{"rendered":"<p>You\u2019ve got a buyer who loves your home, but there\u2019s one problem: the monthly <a href=\"https:\/\/www.homelight.com\/blog\/buyer-average-mortgage-payment\/\">mortgage payment<\/a> is making them pause. You don\u2019t want to lower your asking price just to make the deal more affordable, especially when you\u2019ve already <a href=\"https:\/\/www.homelight.com\/blog\/price-my-home\/\">priced your home fairly<\/a>. What if you could help lower their payment without taking a big cut on the sale price? A seller buy down interest rate can do just that.<\/p>\n<p>In this article, we\u2019ll answer what exactly this buyer incentive is and when a seller should buy down the interest rate for a buyer. To further help you decide if this tactic is right for your situation, we spoke with <a href=\"https:\/\/www.homelight.com\/agents\/claire-paris-or-200309285\">Claire Paris<\/a>, a top Portland real estate agent with more than 20 years of experience. She says a well-structured buydown offer can make a difference.<\/p>\n<p>\n\n\n\n\n<div class=\"geo-cta widget-cta widget-cta--content     widget-cta--dark widget-cta--dark-blue-gradient\">\n    <div class=\"widget-element--content\">\n        <div class=\"widget-element--content-header\">\n            <img decoding=\"async\" alt=\"homelight logo\" class=\"widget-element--logo\" src=\"https:\/\/www.homelight.com\/blog\/wp-content\/themes\/ccprototypev5\/images\/logo-small-cta.png\" width=\"106\" height=\"25\" \/>\n        <\/div>\n        \n                <h3 class=\"cta-headline widget--bold\">Ask a Top Agent if You Should Offer a Rate Buydown<\/h3>\n                        <p>Sellers can often retain more proceeds by offering a buyer an interest rate buydown rather than lowering their home&#8217;s sale price. A top agent can determine which strategy is best for your situation. Our free Agent Match tool analyzes over 27 million transactions and thousands of reviews to find you a trusted, experienced local agent.<\/p>\n        \n                <div class=\"widget-element--buttons\">\n            <a data-type=\"In Content CTA\" href=\"https:\/\/www.homelight.com\/find-agent\/quiz\/seller?#\/qaas=0\/\" class=\"cta-click-track widget-element--button\">Step 1: Talk to an Expert<\/a>\n        <\/div>\n                    <\/div>\n<\/div>\n\n <div id=\"section--1\" data-toc-header=\"How does a seller-paid rate buydown work?\" data-toc-type=\"head\"><\/div><\/p>\n<h2>How does a seller-paid rate buydown work?<\/h2>\n<p>A seller-paid mortgage rate buydown is when you, the seller, agree to cover some of the <a href=\"https:\/\/www.homelight.com\/blog\/buyer-closing-costs-for-buyer\/\">buyer\u2019s mortgage costs<\/a> to help lower their <a href=\"https:\/\/www.homelight.com\/mortgages\/rates\">interest rate<\/a>. You typically provide a <a href=\"https:\/\/www.homelight.com\/blog\/what-is-a-seller-credit\/\">credit at closing<\/a>, which the lender uses to pay for the buydown and reduce the buyer\u2019s monthly mortgage payment.<\/p>\n<p>Paris explains that there are two types of rate buydowns: temporary and permanent.<\/p>\n<p>\u201cMost people, when they think of a buydown, think of a permanent buydown, which we call \u2018paying points\u2019\u201d, she says. A permanent buydown lowers the buyer\u2019s interest rate for the entire life of the loan.<\/p>\n<p>Paris then explains, \u201cA seller-paid temporary buydown is where the seller pays money to the lender upfront, and it artificially lowers the buyer&#8217;s interest rate and payment for some defined period of time.\u201d<\/p>\n<p>Permanent buydowns, where a lower interest rate is secured for the entire loan term, are more commonly associated with offers from builders and lenders. So, for the sake of this post, we\u2019ll focus on seller-paid temporary rate buydowns.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Want to stand out without dropping the price? A seller buy down interest rate can lower buyers\u2019 monthly payments and attract more offers.<\/p>\n","protected":false},"author":298,"featured_media":57060,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","cybocfi_hide_featured_image":"","footnotes":""},"categories":[702,319],"tags":[],"class_list":["post-57059","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-offers-negotiations","category-selling-advice"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>When Should a Seller Buy Down the Interest Rate for a Buyer?<\/title>\n<meta name=\"description\" content=\"Want to stand out without dropping the price? A seller buy down interest rate can lower buyers\u2019 monthly payments and attract more offers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.homelight.com\/blog\/seller-buy-down-interest-rate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"When Should a Seller Buy Down the Interest Rate for a Buyer?\" \/>\n<meta property=\"og:description\" content=\"Want to stand out without dropping the price? A seller buy down interest rate can lower buyers\u2019 monthly payments and attract more offers.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.homelight.com\/blog\/seller-buy-down-interest-rate\/\" \/>\n<meta property=\"og:site_name\" content=\"HomeLight Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/gohomelight\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-28T11:00:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-02T21:20:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2025\/04\/seller-buy-down-interest-rate-min.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"563\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Richard Haddad\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@gohomelight\" \/>\n<meta name=\"twitter:site\" content=\"@gohomelight\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Richard Haddad\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":[\"Article\",\"BlogPosting\"],\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/seller-buy-down-interest-rate\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/seller-buy-down-interest-rate\\\/\"},\"author\":{\"name\":\"Richard Haddad\",\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/#\\\/schema\\\/person\\\/7d7103b037dcb5e844946ec92b02a128\"},\"headline\":\"When Should a Seller Buy Down the Interest Rate for a Buyer?\",\"datePublished\":\"2026-08-28T11:00:36+00:00\",\"dateModified\":\"2026-09-02T21:20:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/seller-buy-down-interest-rate\\\/\"},\"wordCount\":343,\"publisher\":{\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/seller-buy-down-interest-rate\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/seller-buy-down-interest-rate-min.jpg\",\"articleSection\":[\"Offers &amp; Negotiations\",\"Selling Advice\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/seller-buy-down-interest-rate\\\/\",\"url\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/seller-buy-down-interest-rate\\\/\",\"name\":\"When Should a Seller Buy Down the Interest Rate for a Buyer?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/seller-buy-down-interest-rate\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/seller-buy-down-interest-rate\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/seller-buy-down-interest-rate-min.jpg\",\"datePublished\":\"2026-08-28T11:00:36+00:00\",\"dateModified\":\"2026-09-02T21:20:02+00:00\",\"description\":\"Want to stand out without dropping the price? 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