VA Loan With a Temporary Buydown
Lower your rate for the first 1-2 years with a buydown.
How it works
A temporary buydown (2-1 or 1-0) uses seller or lender funds to lower your VA rate for the first year or two, easing into the full payment — and on a VA loan the seller can fund it within concession limits.
Key things to know
- $0 down payment with full entitlement, and no monthly mortgage insurance.
- Requires a Certificate of Eligibility (COE) and a primary-residence occupancy plan.
- A one-time funding fee applies (financed; waived for many disabled veterans).
- VA county limits only matter for partial entitlement — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA Loan With a Temporary Buydown?
- A temporary buydown (2-1 or 1-0) uses seller or lender funds to lower your VA rate for the first year or two, easing into the full payment — and on a VA loan the seller can fund it within concession limits.
- Do I need a down payment?
- No — with full entitlement the VA benefit allows $0 down with no monthly mortgage insurance.