Free tool · for sellers moving up
Sell your 3% home and move up
Feeling locked in by a low rate? Put real numbers on it. This rolls your equity into a bigger home, then lets you tap a negotiated rate buydown and watch the new payment drop. No spin, just the honest trade.
A seller-paid or negotiated buydown lowers your rate. Watch the payment drop as you tap.
Your new payment (at 6.90%)
$2,865/mo
- Selling costs
- $35,000
- Net proceeds from sale
- $265,000
- Applied to new down payment
- $265,000
- New loan amount
- $435,000
- Buyer closing costs
- $21,000
- Extra cash needed
- $21,000
Real talk: giving up a 3% mortgage is real, so the move has to earn it. This shows the honest trade in dollars. Education only, not a loan offer; a licensed lender confirms your rate and terms.
Is the move worth giving up your rate?
Sometimes yes, sometimes not yet, and the only way to know is your actual equity, the real home you'd buy, and what we can negotiate on the rate. Send me your numbers and I'll run your exact scenario, plus what a seller-paid buydown could realistically look like in today's market.
Prefer to talk it through? Email corysalisbury@kw.com or call or text (801) 245-0511. Education only, not a loan offer; a licensed lender confirms your rate and terms.