TyRo Market Toolkit
Make the market make sense.
Explore payment scenarios, temporary 3-2-1 buydown math, and official homebuyer resources—then bring your questions to Tyler & Spiro.
Step into the Possibility StudioRefinance, home value and closing costs. Move a number. Pin a possibility.Realtors: send us an open house or listing and we'll help create a co-branded payment flyer, social post, or buyer handout.
Start a co-marketing pieceSection 1
Payment price-check
Change any number and the estimate updates immediately. Every figure is an educational estimate — not a Loan Estimate, rate quote, APR, approval or commitment to lend.
Using $42,500 down (10.0%).
Enter a rate to model. This is not a quote.
Estimated total monthly housing payment
$3,048
Principal & interest $2,481 on a $382,500 loan amount.
- Principal & interest
- $2,481
- Property taxes
- $433
- Homeowners insurance
- $133
- HOA dues
- $0
- Mortgage insurance (optional)
- $0
The email opens blank on purpose — no figures, property details or personal information are added for you.
Formula and assumptions
Loan amount = purchase price − down payment. Principal & interest uses the standard amortization formula P × r ÷ (1 − (1 + r)−n), where r is the note rate ÷ 12 and n is the term in months.
Monthly taxes = annual taxes ÷ 12. Monthly insurance = annual insurance ÷ 12. HOA and mortgage insurance are used exactly as entered. Nothing is estimated for you.
This is an educational estimate — not a Loan Estimate, rate quote, APR, approval or commitment to lend.
Section 2
Live 3-2-1 temporary buydown
A temporary buydown lowers the payment for the first three years only: 3 points below the note rate in year one, 2 in year two, 1 in year three, then the full note rate. A temporary rate never goes below 0%.
Using your Section 1 inputs: a $382,500 loan amount at a 6.75% note rate over 30 years.
Year 1 · 3.75%(note rate − 3%)
$1,771P&I /mo
About $709/mo lower than the note-rate payment · $8,514 for the year
Year 2 · 4.75%(note rate − 2%)
$1,995P&I /mo
About $486/mo lower than the note-rate payment · $5,827 for the year
Year 3 · 5.75%(note rate − 1%)
$2,232P&I /mo
About $249/mo lower than the note-rate payment · $2,985 for the year
Year 4 and after · full note rate
$2,481P&I /mo
Qualify at the full note rate. The temporary payment is not the payment you are qualified on.
Total estimated subsidy
$17,325
12 × each of the first three monthly differences, added together. Who may fund it, and whether it is allowed at all, depends on the transaction.
What to know
Temporary buydown availability depends on the loan program, the lender, the property, the transaction, and the source and limits of the contribution funding it.
It is not a permanent rate reduction. Interested-party contribution limits may apply, and restrictions can apply to investment properties and cash-out refinances.
Nothing here says every borrower or product qualifies, and it does not mean Tyler or Vault Financial Services offers every structure.
Fannie Mae Selling Guide B2-1.4-04Section 3
Current national benchmark
Freddie Mac national weekly average — August 6, 2026
- 30-year fixed
- 6.69%
- 15-year fixed
- 6.01%
The calculators above do not use these averages unless you choose to load one.
These are national survey averages published by Freddie Mac. They are not Tyler or Vault Financial Services pricing, not APR, not a rate quote, and not available to every borrower. Your rate depends on credit, program, property, transaction and market pricing at the time of lock.
Freddie Mac mortgage ratesSection 4
Official local program finder
Links go directly to the housing agency that runs each program. We do not claim licensing or availability in any state.
Pennsylvania
Pennsylvania Housing Finance Agency (PHFA)
PHFA Home Purchase overview
Starting point for PHFA's first-mortgage products and eligibility rules.
Open the official pageHOMEstead Downpayment and Closing Cost Assistance
Assistance of up to $10,000 is described by PHFA, subject to eligibility, property rules and funding.
Open the official pageKeystone Flex Purchase & Improvement with K-FIT
K-FIT is described as 5% of the lesser of purchase price or appraised value, subject to program limits.
Open the official page
Every item above is a screening resource only. Availability, funding, borrower and property eligibility, and approved-lender participation all have to be confirmed with the agency. Tyler & Spiro will confirm licensing, product availability, approved-lender access, and current program funding before discussing an application.
Section 5
Three ways to explore a market
These are research paths, not recommendations. We do not suggest neighborhoods. Past appreciation and planned projects do not guarantee future value.
Close-in & connected
Compare commute times, transit access and walkability against the price difference they carry.
More space & monthly-payment fit
Compare property taxes, HOA dues, insurance and price — the payment, not just the sticker.
Growth & redevelopment watch
Research published public plans, permits and infrastructure work, plus the resale risks that come with them.
GreatSchools is listed only as an independent research starting point. School boundaries and ratings change, so verify anything that matters directly with the district. You choose where you want to live.
Section 6 · Realtor power-up
Walk into the next conversation with the math.
- 1Ask what payment feels comfortable.
- 2Compare price, seller credit, and temporary buydown scenarios.
- 3Bring TyRo in before promising terms.
We co-market open houses, listings, social graphics, payment flyers and buyer handouts with agents who want the numbers to be right.
Co-marketing materials are subject to company/compliance approval and applicable advertising rules.
Questions? Bring them to us.
Tyler Booth, Mortgage Loan Originator, Vault Financial Services LLC, NMLS #2411352. Spiro is Tyler's TyRo partner and works with him on these conversations. Reach either of us at TyRo@VaultFS.com or 503-888-3283.
Everything on this page is an educational estimate. It is not a commitment to lend, not a Loan Estimate, not a rate quote and not an approval. Program terms, rates, costs, licensing and eligibility are all subject to verification. Nothing here guarantees appreciation or equity. Consumers choose where they want to live and should independently verify schools, safety, taxes, insurance, HOA dues and local facts.
See our privacy promise