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Seller Credit or Temporary 2-1 Rate Buydown
Lower your upfront costs or your first-two-years payment — your choice.
📍 978 Grand Ivey Pl, Dacula, GA 30019 (Ivey
Chase)
💲 List Price: $574,900
🏠 5 Beds / 3 Baths • 3,220 sq ft • Built 2016
Move-in-ready
Seller credit up to $7,500 2-1
buydown option Flexible close
💰 Seller Credit Option
Use up to $7,500 from the seller to cover allowable closing costs (lender, title, prepaid items). This reduces the cash you bring to closing.
- Applied on the Closing Disclosure as “Seller Credit.”
- Works with most loan types (subject to lender limits).
- No gimmicks — clean and underwriting-friendly.
🏦 Temporary 2-1 Rate Buydown
For the first two years, your interest rate is lower — then it returns to the normal fixed rate.
| Year | Rate | Est. Monthly P&I* | Est. Savings vs 7% |
|---|---|---|---|
| 1 | 5.0% | $2,931 | ≈ $570 / mo |
| 2 | 6.0% | $3,262 | ≈ $239 / mo |
| 3 – 30 | 7.0% | $3,501 | — |
*Example uses a typical $546,000 loan amount, 30-yr fixed, principal & interest only. Taxes/insurance not included. Exact eligibility and costs determined by the buyer’s lender.
Your Choice: Seller
contributes up to $7,500 toward either your closing
costs or a temporary 2-1 buydown
with an approved lender, with acceptable offer.
Agent
Bonus: 3% commission + $500 bonus for contracts closing
by November 20, 2025.
