@_lesa_marie: 🏡 What if you could buy with $0 down—or use a down payment assistance program—and ALSO have a lower payment for your first 3 years? 👀 For eligible buyers and loan programs, here’s what a hypothetical 3-2-1 temporary buydown could look like on a $350,000 home: $350,000 purchase price Example loan: $350,000 Example note rate: 7.50% 📉 YEAR 1 — Payment based on 4.50% ≈ $2,289/month* ($1,774 P&I + estimated taxes & insurance) 📉 YEAR 2 — Payment based on 5.50% ≈ $2,502/month* 📉 YEAR 3 — Payment based on 6.50% ≈ $2,727/month* 🏡 YEAR 4+ — Full 7.50% note rate ≈ $2,963/month* That’s a difference of approximately $674/month in Year 1 compared with the estimated payment at the full note rate. 👀 Depending on the programs you’re eligible for, down payment assistance may help with upfront costs, while a permitted seller contribution or other eligible source may be used to fund a temporary rate buydown. Buying a home isn’t always just about negotiating the price. It’s about knowing what programs are available and how we can structure the offer to work for you. 🔑 Ready to Make a Move? Let’s Talk. 🏡 Lesa Chavez | REALTOR® Parkway Real Estate Co. DRE #02093793 Illustrative example only; not a rate quote, offer of credit or commitment to lend. Example assumes a $350,000 loan, hypothetical 7.50% note rate, estimated property taxes of 1.25% annually and estimated homeowners insurance of $150/month. Actual taxes and insurance vary by property and borrower. Payments shown do not include mortgage insurance, HOA dues, DPA/secondary-financing payments or other applicable costs. Zero-down financing and DPA are subject to program and borrower eligibility. DPA may be a grant or a forgivable, deferred or repayable loan and may affect the total monthly payment. A 3-2-1 temporary buydown does not change the note rate; funds temporarily subsidize payments. Seller contributions, DPA and temporary buydowns are subject to applicable lender and program requirements and limits. Consult a licensed mortgage professional for current rates, APR, program eligibility, costs and actual payment estimates.

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