Can the seller buy down the VA rate?
Yes. Seller-funded temporary buydowns (2-1, 3-2-1) and permanent buydowns are allowed on VA, subject to the 4% seller concession cap. The lender structures the buydown and the cost shows on the Closing Disclosure as a seller credit.
Plain-English explanation
Two structures: 1) temporary buydown — seller pays an escrowed amount that reduces the borrower's payment in years 1 (and 2 and 3 in 3-2-1) and reverts to the note rate after; 2) permanent buydown via discount points the seller funds. The 4% seller concession cap applies. Buydowns are useful when sellers want to support the deal but won't drop price further. Subject to VA guidelines.
What can change the answer?
Credit score, loan amount, LTV, points, lender credits, lock timing, and market movement can change the rate quoted. The funding fee adds to APR.
Want the real answer for your VA file?
VA guidelines are the rule. Your COE, entitlement, residual income, property, and Florida costs are what decide the actual answer.
More VA questions on Rates
Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.