Stacey DilleNMLS #225641 · EASE Mortgage
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A little clarity for your next offer

Turn a seller credit into buying power.

Three ways to help a buyer. One clear conversation with your seller. See what the numbers could do.

A practical toolkit, not a rate quoteTemporary buydown · Permanent buydown · Closing-cost credit
The seller credit calculator

Let's run the numbers.

Start with the listing. Then explore the kind of help that fits the conversation.

Three ways to use a seller credit.

Choose one to explore

Buydown figures above do not include the separate 1.9% closing-cost estimate.

Ready to share

Take the scenario to the seller conversation.

Copy a clean summary for your notes, email or text thread, or print it for a listing appointment.

Same seller budget · different impact

A $10,000 price drop.
Or a $10,000 seller credit?

Help sellers see what each approach could do for the buyer's payment.

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A clearer way to talk about concessions.

Turn the rate conversation into a simple side by side that your clients can follow and the buyer's lender can confirm.

  1. 01

    Start with the loan amount

    Change the down payment and watch the cost move. Buydowns are priced on the loan, not the sales price.

  2. 02

    Every assumption in the open

    The rate, the 1.9% closing-cost estimate and the seller-credit guardrail are all on the page, so everyone works from the same numbers.

  3. 03

    Show the why

    Give sellers and buyers an easy way to weigh a lower payment now against a lower price, before anyone commits.

Make it personal to the property.

Add the address, list price and agent's name, then send a listing page with these numbers. Or create a copy for an agent to use on every listing.

Calculator provided by Stacey Dille, Senior Mortgage Loan Officer, NMLS #225641, EASE Mortgage · (801) 232-4484 · Stacey@yourmortgageloangal.com

Rates shown are examples for illustration only. The rate snapshot shows national averages published by Mortgage News Daily as of the date shown. They are entered by hand, are not updated automatically, and are not rates offered by Stacey Dille or EASE Mortgage. These examples do not include an APR. A buyer's actual rate and APR depend on credit, loan amount, down payment, program, points and fees, and will be shown on their Loan Estimate.

For real estate professional use only. This is not a loan approval, a rate quote or a commitment to lend. The buyer's lender makes the final call. Payments exclude mortgage insurance and financed FHA or VA fees. Principal, interest, taxes and insurance (PITI) are shown separately from HOA where applicable. Closing costs and prepaids at 1.9% of sales price are only an estimate; actual costs and escrow requirements vary. Credits can't exceed actual closing costs, prepaids and allowable buydown costs, pay the down payment, or provide cash back.

Temporary buydowns subsidize payments; buyers qualify at the full note rate. Permanent point-to-rate reductions are illustrative assumptions, not guaranteed lender pricing. Conventional guardrails assume a primary residence or eligible second home with no subordinate financing; investment-property limits are not modeled. FHA and VA eligibility and buydown availability require lender review. VA normal closing costs are separate from the 4% concession limit; prepaid taxes and insurance and additional buydown concessions count. This tool counts all VA buydown points conservatively and estimates the prepaid share; the lender must classify actual costs. Conventional guidelines · FHA guidance · VA guidance.

All approvals are subject to underwriting. Rates and programs are subject to change. Not all products are available in all states. United Lending Team LLC dba Ease Mortgage, NMLS #2273319, 1050 Wilshire Drive Suite 300, Troy, MI 48084. Stacey Dille is licensed in Utah, Arizona, Iowa, Idaho, Arkansas and Florida. 28+ years in lending.

© 2026 United Lending Team LLC dba Ease Mortgage Equal Housing Opportunity Back to calculator ↑
Share these numbers

Create a link

The link saves today's assumptions. Anyone with it can see what you enter here, so never include buyer or borrower details.

A page for one property, with its address and details at the top.

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Down payment, rate, taxes, insurance, HOA and the selected option come from the calculator as it's set right now.