Keep the price is the starting point: the listing as is, with no incentive. Price reduction lowers the purchase price by the amount entered, which shrinks the buyer's loan a little and the seller's proceeds a lot. Seller credit keeps the price and instead pays the buyer's eligible closing costs and the cost of a permanent rate buydown, up to the amount entered.

• The credit is capped at the eligible costs entered, which are the closing costs and prepaids plus the quoted buydown cost.
• Any unused credit is shown separately. It is not treated as cash back or as a down payment contribution.
• The permanent buydown uses the quoted rate and quoted dollar cost exactly as entered. No rate improvement is assumed from the size of the credit.
• Loan programs limit how much a seller can contribute. Confirm the cap with Kimberly before you present.

• Down payment percentage stays constant across options, so a lower price also means a slightly smaller down payment.
• Monthly payment is principal and interest over the full term: P × r / (1 − (1 + r)⁻ⁿ), where r is the annual rate divided by 1,200 and n is the term in months.
• Buyer cash to close is the down payment plus the entered closing costs and quoted buydown cost, less the credit actually used. Earnest money and other adjustments are excluded.
• Seller proceeds are the purchase price less the credit actually used, before payoff, commissions, taxes and other selling costs.
• The optional 2-1 buydown cost is the sum of the first 24 months of payment differences. Its credit is applied the same way as the permanent option.
• Calculations keep full precision and are rounded only for display.

Everything you enter is processed in your browser and is not saved or sent anywhere. The "Copy link" button simply puts your inputs in the page address so you can share the exact scenario with a seller or colleague.