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The question to ask after “What is the rate?”
Why a temporary buydown deserves a full payment schedule.
Buyer academy · October 31, 2026
Ask what happens after year one
Some builder promotions reduce initial payments temporarily. The early payment can look attractive while the later scheduled payment is substantially different.
Compare the same loan assumptions
Request the note rate, APR, points and year-by-year payment schedule. Then compare cash to close and the full ownership estimate. A lender can determine eligibility and provide the required disclosures.