Rate Rescue Calculator
What could the dollars in this transaction actually do?
Buyer view · 2-1 modeledFIRST TEAM RATE RESCUE SCENARIO
Educational estimate prepared 10/3/2026. Not a loan quote.
- Purchase Price
- $1,300,000
- Down Payment
- $130,000 (10%)
- Rate Used in This Scenario
- 7.28% · National reference rate
- Seller Contribution
- $26,953
- First Team Rate Rescue
- $5,000
- Total Modeled Financing Funds
- $31,953
- Loan Amount
- $1,170,000
- Baseline P&I
- $8,005/mo
Reference observation date: October 1, 2026 · Source: Freddie Mac Primary Mortgage Market Survey, retrieved via FRED.
Seller dollars and the First Team Real Estate contribution are shown separately. The First Team contribution applies only to Option C.
Educational estimate
What could Rate Rescue do for my payment?
Purchase price
$1,300,000
Loan amount
$1,170,000
Contract rate
7.28%
Baseline P&I
$8,005/mo
First Team added $5,000 to this modeled affordability strategy.
Price reduction
Monthly P&I reduction
$166
Seller-funded financing strategy
Almost there
Try a smaller structure, or talk with a Rate Rescue professional.
First Team Rate Rescue
Year 1 P&I relief
$1,523/mo
The First Team contribution exists only in the qualifying Rate Rescue structure and is not available as a price reduction.
Payment timeline
| Year | Rate | Baseline P&I | 2-1 P&I | Relief /mo |
|---|---|---|---|---|
| Year 1 | 5.28% | $8,005 | $6,483 | $1,523 |
| Year 2 | 6.28% | $8,005 | $7,227 | $779 |
| Year 3+ | 7.28% | $8,005 | $8,005contractual | — |
Equivalent price reduction
What price reduction would create approximately the same Year 1 P&I impact as the 2-1?
$247,282
This does not mean the strategies have the same long-term financial value. This comparison illustrates first-year principal-and-interest payment impact only.
Permanent buydown · Educational estimate
Seller funds only
6.704%
$452/mo lower P&I
With Rate Rescue
6.597%
$535/mo lower P&I
Assumes 0.25 percentage points per discount point. Mortgage discount-point pricing changes with market conditions and borrower-specific factors. This is an educational model, not a live lender quote.
Cumulative Payment Relief
| Year | Price reduction | Permanent buydown (est.) | Temporary buydown |
|---|---|---|---|
| Year 1 | $1,992 | $6,421 | $18,273 |
| Year 2 | $3,983 | $12,843 | $27,615 |
| Year 3 | $5,975 | $19,264 | $27,615 |
| Year 5 | $9,958 | $32,106 | $27,615 |
| Year 7 | $13,942 | $44,949 | $27,615 |
| Year 10 | $19,917 | $64,213 | $27,615 |
This chart compares modeled mortgage-payment relief only. It does not capture every difference in loan balance, equity, transaction costs, taxes, or future refinancing.
Which matters most to you?
A First Team professional can review your actual property, terms and financing.
Estimates are for educational purposes only and are not a loan quote, approval, or commitment to lend. Payments shown are principal and interest unless noted. Actual loan pricing, payments, taxes, insurance, qualification, allowable concessions, program eligibility and available buydown structures vary and must be confirmed by a lender. Seller concessions are negotiated and not guaranteed. The Rate Rescue contribution is provided by First Team Real Estate.