Pay 5.40% in a 7.40% Market: The VA 2-1 Temporary Buydown, Worked Dollar by Dollar
Published on: 17/10/2026
A 2-1 temporary buydown drops your VA loan effective rate to 5.40% in year one and 6.40% in year two. Dollar-by-dollar math on a $350K Jacksonville VA purchase at 7.40% (30-year fixed, Oct 15, 2026) — inside the VA 4% concession cap.
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