Sean Herrero
Sean Herrero
Senior Loan Officer · CrossCountry Mortgage, LLC
NMLS #900669  |  Company NMLS #3029
Seller-Paid Strategy

Don't Leave Money
on the Table

When negotiating your home purchase, sellers often offer concessions — cash on the table at closing. Most buyers take that money as a price reduction. Smart buyers use it for a temporary rate buydown — dramatically lowering their monthly payment for 1 to 3 years and putting real cash back in their pocket every month.

The Can't-Lose Guarantee
The seller's credit is deposited into an escrow account at closing. If you refinance before the buydown period ends, every dollar of unused subsidy is credited directly to your principal balance — reducing what you owe. It either lowers your payment month by month, or builds your equity the moment you refi. You literally cannot lose.
Calculate Your Buydown
$
%
yrs
Your Savings Breakdown — —
$
%
Loan Details
Loan Amount
—
Note Rate
—
Term
—
Plan
—
Full P&I at Note Rate
—
Principal & Interest / month
Can't Lose Reminder
If you refi before the buydown ends, unused seller credit is applied directly to your principal balance.
Year-by-Year Payment Schedule —
YearRateMonthly PaymentMonthly SavingsAnnual Subsidy
Total Seller Credit
—
Upfront escrow deposit
Yr 1 Monthly Savings
—
vs. note rate payment
Avg Monthly Savings
—
over buydown period
ⓘ Seller credit is deposited into escrow at closing and disbursed monthly to cover the interest differential. If you refinance before the buydown period ends, any remaining escrow balance is applied to your principal. After the buydown period, the loan reverts to the fixed note rate for the remaining term.
Sean Herrero  |  Senior Loan Officer  |  NMLS #900669
CrossCountry Mortgage, LLC  |  NMLS #3029  |  www.nmlsconsumeraccess.org

CrossCountry Mortgage, LLC is licensed to conduct mortgage loan business in this state. CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. This is not a commitment to lend. Rates, terms, and availability of programs are subject to change without notice. All loans are subject to credit and property approval. Not all applicants will qualify. Restrictions may apply. This calculator is for illustrative and educational purposes only and does not constitute a loan estimate or commitment to lend.

© CrossCountry Mortgage, LLC. All Rights Reserved. Equal Housing Lender.

Sean's Mission Statement

"Provide the best solutions and service.  Make a difference in the lives of others."

925.575.0637  | sean.herrero@ccm.com

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