FHA Loan With a Temporary Buydown
Reduce your rate for the first 1-3 years with a buydown.
How it works
An FHA temporary buydown (2-1 or 1-0) uses seller or lender funds to lower your rate for the first 1-2 years, easing into the full payment as your budget grows.
Key things to know
- Minimum 3.5% down with a 580+ credit score (10% down for 500-579).
- Loan amounts are capped by your county FHA limit — $541,287 floor up to $1,249,125 in high-cost areas.
- FHA mortgage insurance applies; budget the 1.75% upfront premium plus annual MIP.
- The home must be your primary residence and meet FHA's minimum property standards.
Program rules are set by HUD and updated periodically. Join the free notification program to hear about changes to the FHA Loan With a Temporary Buydown first.
FHA Alerts, Free to Your Inbox
One quick signup and we keep you posted on FHA rate drops, new programs, and requirement changes.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA Loan With a Temporary Buydown?
- An FHA temporary buydown (2-1 or 1-0) uses seller or lender funds to lower your rate for the first 1-2 years, easing into the full payment as your budget grows.
- What credit score and down payment are required?
- Like other FHA loans, 580+ qualifies for 3.5% down; 500-579 requires 10% down.